I didn't retire all that early. I really enjoyed my work, but I began to run down a tad as I approached 70, so I gave it up at 71. I had gone part time (gave up being department head - my call, enough meetings already) at 69. Making the change an incremental one probably helped a little. It was pretty easy, even with very modest retirement. The key in my mind was getting to absolutely zero debt, including most particularly mortgage debt, before I retired. With that accomplished, I haven't found a lower income to be much of a problem at all. I worried a lot about "having enough to do," but that turned out not to be a problem at all. If you're the sort of person who does stuff, you'll do stuff whether it's the boss or your own curiosity or ambition driving you. So all in all, not that big a deal. I sort of miss work, but i don't miss having to go to work every morning and having to jack my energy through the roof by 8:00, whether I want to or not.