Is retirement in reverse the way of the future?

In the 80s sci-fi classic, Back to the Future II, schoolboy Marty McFly is transported to a futuristic 2015, with flying cars, hovering skate boards and runners that ties their own laces.

Unless there are big changes in the next 18 months, the actual 2015 is going to be a big letdown, but then the future is notoriously difficult to predict, even for Hollywood. Who knows what the world will look like when we eventually retire.

Can't wait to find out? How about retiring in reverse?

Right now, dozens of 30 and 40 somethings are sitting in the south of France sipping champagne, gently bobbing in a houseboat somewhere in the Greek Islands, and road tripping around South America.

How is this possible?

Instead of putting all of their efforts into saving for the future, they've decided to retire early – quite a bit early – and take their retirement now during their "prime" years.

It's a bit like eating dessert before your main meal, only on a grand scale that inspires jealousy and wonder at the sheer daring involved.

Two practitioners of this ideal are Kim and Jason, the couple who are self-diagnosed sufferers of 'Adultitis' and have chosen to live the reverse retirement way of life in order to spend more time with their children and simply work the bare minimum.

It might be all well and good to simply live for now, picking up the odd one off job to get by and living off savings from their 20s, but what happens when they reach retirement age and haven't got a nest egg of superannuation funds to fall back on?

Reverse retirement puts a lot of pressure on people when they return to work at middle age to save enough to retire just a couple of decades later. Kim and Jason plan to deal with this by continuing to work into their golden years at a reduced capacity doing something they love.

Kim and Jason aren't the only ones doing it either, with reverse retiree Ed Hawkins in the UK living in the south of France off of his rental income in London. He told Radio 4 earlier this year that he also plans to work for longer once he returns to the workforce.

Naturally, there are a slew of issues that could arise to prevent these early retirees from working later in life, as well as the possibility of struggling to return to the workforce with an income high enough to make the necessary salary sacrificing payments they will need by starting so late in life.

What's your choice; retire now and work later? Or work now and retire later?