And before I'm accused of moralizing - I'm not. The older I get the more I look at this bifurcation in terms of - wtf am I going to do in retirement. You read

And before I'm accused of moralizing - I'm not. The older I get the more I look at this bifurcation in terms of - wtf am I going to do in retirement. You read a lot of early retirement experiences and the people that "retire to something" (a hobby/volunteer work/etc) do much better than those that "retire from something" (can't wait to stop working!).