Imo
There is a huge difference between the lives of elite skaters and college athletes. Yes, skaters can make money-as long as they keep on winning. They also have the joy of paying for lessons, skating costumes, ice time,and equipment. A college athlete has all their major costs paid for. A sholarship is there to enable athletes to get an education- a major plus for any kid. Skaters are not getting money to help them get an education. They typically, although not always, put that on hold, or skip it entirely (big mstake). So the life of a skater is very difficult in many respects and not normal in any way. Also, when you are part of a team there is a built in support system not found when you are a singles skater.
My point is this, when someone like Kimmie has reached a certain level (World Champion for goodness sakes) and then starts to decline, she should think about the rest of her life and its possibilities. Is it her decision to make? Absoulutely, but since this is an ice skaing forum I am throwing my two cents worth in.
Joe, Jennie had lovely jumps, and yes, her mother's death was a tragedy which I am sure had a tremendous impact on her. But I think she had consistency problems (related to what I am not sure-mental toughness, physical stamina) that prevented her from reaching the next level. She WISELY decided to get on with her life. A very tough decision but a smart one and I admire her for it.
People, as much as we love skating, there is more to life. In some ways, I think skaters are not especially prepared to think about life after skating, Michelle Kwan and Tenley Albright being wonderful exceptions.