Do what my mom did... marry a guy who is 12 years younger. She did a sudden retirement at 64 due to some issues with her state licensing for her job, and her health issues. Her husband has great health insurance as he works for a school district as a school bus driver, so she hopped right onto his, and now she's old enough to get Medicare as well. He gets summers off, so they travel together during the summer, and then the rest of the year, she goes on trips solo to visit my brother and I and other family, and does her newfound hobbies.
After spending the first few months of her retirement doing a lot of nothing and reading a lot of books, she took up quilting and joined bible studies and other stuff at church that occur during the day that she couldn't do before. She also has some adopted "grandkids" since my brother and I haven't given her any yet, she most recently spent a lot of hours sewing a dress for the little girl, and a matching one for her doll. She's busier now than she was before retirement, only she's actually enjoying how she's spending her time. She does still work 1-3 days a week at her old job, depending on when they need her, as she's trying to pay down her mortgage so she can sell it and move here to CO.
I'm quite jealous of her life now, but I've got a good 30 years to go :)
