can I ask how old you are? I retired 2 years ago, after over 40 years nursing, and a lot of other jobs, the last 25 years nights, most of the staff retired at 60, I went to 65, I did actually give my notice in to retire after we moved, downsized to be near the sea, (although I was going to still work temporary workforce at 2 local hospitals). 5 days after I had given my notice DH came home said his company had liquidated there and then, no more job no money for that month either, I rescinded my retirement, went back to full time, (nights) almost 100 mile round trip commute. He had a breakdown, was out of work exactly one year, applying for over 50 jobs. He does think I do nothing all day,I am on speed dial for DGKs if they are sick and Mum has to work, that is an 80 mile round trip, it does happen, I have them school holidays, and some other times when Mum has to go on courses. I have a 6th of an acre of garden, make my own,jam,pickle,candles, soap, (christmas presents) knit,sew, veg plot, 2 dogs. He is 7 years younger than me, but started a private pension in 1980, he actually retired in March, this year (on his 60th) he lasted a month, hated it, and went back to work.