At age 54 my company moved out of town. Only a few were asked to move. I didn't want to go. Everyone 55 or older got a "package". It felt bad wishing I were older.....LOL.
So, I started consulting for the company's competitors. Even though on average I only worked 9 days a month, with what I charged I actually made more than my salary as a manager. With all the free time I considered myself to be in pre-retirement. Lots of fishing, shooting and my gardens and lawn were the best on the street.
When the '08 Depression hit, half of my customers went out of business, forcing me to go "back to work". Back to my roots - as a Plant Engineer I was on call 24/7/365. I liked the job, but after "retirement" it got old in a hurry. After 5 years I puled the plug for good.
Now, I'm just finishing my 6th year of retirement. We have been on 13 cruises. We expanded our cabin in the woods. I get up late if I want to. I go fishing at a moment's notice. In other words, I do what I want and make no excuses. We'll probably start taking cruises again in a year or 2 when things settle down. In the meantime our Winter vacations will be in Florida.
Life is what you make of it. God willing, you'll have good health. If finances are a problem, wait to retire or work part time. Our position is that we're going to enjoy life now and spend our Children's inheritance, because nobody knows what the future will bring.