After a while you get to the point where you realize that the real luxury in retirement isn't the wealth. It's the fact that there's nothing you have to do and nobody you have to report to.


And the nothing you have to do is what makes retirement boring for some people.

I have come to the realization that there is no way I could go back to work in the office for 45+ hrs a week (work+commute). I still wouldn't mind working part time at home or if the office was close (15 minutes). That would depend on my health and while I feel good, we'll see what my latest physical says.

Also retirement is hugely different for those who don't come close to withdrawing 4% (excess money) compared to those struggling to have enough to cover the basics. While I am likely being overly conservative, I can say if I had another $500K or $1M we would be doing a lot more. Or maybe would have done something stupid and bought a too expensive house. Personally I'm at the point where I am happy to stay local, do my stuff on the computer, eat out and am not interested in lots of travel or expensive items.

The problem with retirement for most people is that it means you are old and getting older and you start having health issues and see friends and family members having issues as well.

Unfortunately that is part of life.