Let me put it this way. For capitalism to continue there’s an ever-marching goal of exponential profit. To get more profit you must work harder and the company must pay you less and work you longer. At some point you will be crushed. Nothing can expect exponential returns, yet capitalism constantly expects that.
Communism wouldn’t need retirement because such a society wouldn’t have an exponential motive for existence. Work would be done as needed instead of constantly more and more and more. I wouldn’t mind being in my 80’s and still “working” because all the work I’d do would have a direct positive result on my community instead of more money for someone pocketing the excess value of my labor over what they paid me.
Besides, who would need to push papers around for companies in an economic system that is moneyless and stateless? (communism is literally moneyless and stateless so USSR, China, Valenzuela, etc. are not communist since they have a state)