I'm a little late on this one but here is my take on retirement, I got out of the Navy, got married about 18 months later, got a secure job in local government, worked for 32.913 years there starting as an electrical apprentice, rose as high as I could in my field, during that time I graduated from college with a degree in Management and it came in handy as an electrical supervisor.
I was sitting in my office one day reviewing a proposed change in our procedures manual and realized, I was out of date. I went to the computer and calculated my expected retirement salary and decided that we could live on that as long as the DW kept working, figured if she retired, we would have to sell one of our properties.
My 55th birthday happened to be a month away and it also was the day the pay period ended and a day before Habitat For Humanity started a 22 house project in South Los Angeles. I filed for retirement, that same day. It will be 20 years in 21 days and I am glad I did it, my job was eliminated about seven years ago. A big group of us get together a few times a year and find out who has died, lost their job and all that other stuff I'm avoiding.
I don't miss the work at all and we were lucky to have some good investments a great retirement plan that lasted up until 65 and Medicare kicked in and now with the fees we will have to pay on our Cadillac health plans we paying more for our healthedare. It's still better than being old and not up on all the technical stuff, now I'm just old and seeing the country.