I retired two years ago, when I thought I would need to work another 5 to get there and even then, we would be eeking by. This may not apply to everyone, but something I strongly recommend for those it does apply to is getting a really good financial planner, one of the rare ones who know how to plan distributions. Most planners are all about retirement investments and run with the theory that "If you have a million bucks, it doesn't matter how you use it." Okay, sure, but I am never gonna have a million bucks. What now? Only a few planners understand how to set up a retirement portfolio that preserves the principal while providing income. They understand the "4% rule" and the pros and cons of annuities, versus stocks, versus pensions. They also understand diversification, so that a substantial amount of your income is shielded from economic disaster. You also have to also be wary that there are a lot of charlatans out there. We retired comfortably five years before we thought possible, on a lot less than "they" say you need and two years later it is going even better than planned. It is great not having to work for someone else. You don't fully realize until after retirement how oppressive even a good career can be. That being said, I also recommend you spend a lot of time planning your life after retirement, not just your finances. You think it will be one big vacation, but vacations and hobbies are breaks from work. If there is no longer any work, the breaks don't mean as much. I initially failed on this one. I got really depressed and I did not see that coming. It just snuck up on me. I tried to work hard on my hobbies, but the thrill was gone. Back to the main subject of this site, I found my solace in martial arts. I had studied Karate', Judo, Japanese Jiu Jitsu and Tai Chi for about 25 years, ending decades ago. I really liked it, but life got in the way and I got out of shape and lost a lot of my skills. I decided to get back into it. I tried Krav Maga, but no offense to that art, but it didn't click for me. Now I am training in Muay Thai and BJJ at a great gym. I am hooked. At 69 years old, I am sore every day, but I have decided martial arts is now my "vocation." It has given me purpose.