I've been retired for 15 years now, since I was 55. All the above is good info and one thing I'll say is, don't tie yourself down to another job. If you do feel the need to work just to keep busy that's fine. Just don't come to rely on it so you have to keep doing it. You'll find that you'll eventually ease yourself into a routine that suits you. I try to exercise to just stay healthy, not a gym or anything, just regular walking and some strengthening exercises. Not into really healthy foods either. I figure life is short and I really enjoy good food. I budget what money I have to allow for shooting, hobbies and the occasional cruise vacation or two. Oh, and do the things you like now because old age problems may limit you in later years. LIVE LIFE AND ENJOY THE FREEDOM!