I was "retired" by the boss's son at 61 when he took over the business and decided that everyone over 40 was making too much money . I started SS at 62 and haven't wanted to go back . With our SS and 401K disbursement , we're debt free and comfortable , we planned for retirement , paying off everything . I'm still up at 6:30 and stay busy with a big garden , I do all the cooking , the Grand kids and keeping up with our Drs appts . Some days I wonder how did we have time to work . I don't get out to the garage and work on my models as often as I would like but that's going to change next year , I'm cutting out most of the gardening , just getting too old to be out there every day . I'm 74 and still in relatively good health , so , we're planning on taking a few trips here in the states , Route 66 , the Pacific Coast highway , train ride around the US , a cruise or two , just go out and have fun . You'll be surprised at what will be available when you have no schedule.