I mean absolutely no disrespect in what I am going to say. Please believe this.

Some of us are just more casual about life.

I retired last June and I will plan my retirement as I go, just as I have planned the rest of my life. My family history suggests I will live into my 80's. I believe I have more than enough money to live for that amount of time, thanks to my savings, my IRA's, my pension plan, social security, and inheritance.

I have friends. I have hobbies. I have enough expertise in my past work history, that I will find (I already have one part time job in the field offered to me) work if absolutely necessary.

Again, I am not being flip or disrespectful. I just live life a little looser. It may not be the wisest way to live, but it has always worked for me.