There’s (almost) no such thing as a ‘private consultant’, @TizerorFizz. 99% of doctors who do private work are NHS consultants too. The NHS contracts with consultants to work a certain number of sessions per week. They are free to do private work in their own time.
And doctors retire before 67 at the moment because the raised retirement age doesn’t apply to those retiring now. But it will affect younger doctors.
Conditions for young doctors are utterly different from the cohort nearing retirement. On the one hand, young doctors are (thank god) no longer required to work 100+ hour weeks but, on the other, many will face lifelong shift work, which is exhausting and saps the joy out of life (a problem for many HCPs, of course, not just doctors).
Most highly paid jobs are stressful, and involve long hours, as you say. But medicine is the worst of all worlds in this respect, in that it is stressful and exhausting, but is relatively poorly paid, compared to other top professional jobs that are equally intense. Again, this is not to complain about doctors’ remuneration, but I would really encourage anyone contemplating medicine to think about whether they would prefer a better remunerated job that will give them the freedom to move onto a different career while still relatively young.
There is a lot of envy on MN about salary (in general, I mean, not from you) but I would encourage any young woman to consider her own worth and how it can best be deployed. There are many ways to be altruistic without sacrificing your mental and physical health, which is what many HCPs end up doing.