Retirement HIGHLY recommended, if you can swing it. I often say to people out and about who may be 'helping' me..take your time, I'm retired, I don't even know what day it is'..
USN pension, SS, wife's too...medicare(lots less $ for medical care), Tri-Care for life for the other 20%, free Rx..no complaints..just need $500 or so for my next 'toy' purchase.