I am working but I earned my social security so I don't have to work full time or have a job with beaucoup responsibility.  An argument could be made that I don't have to work at all.  I am not so arrogant to claim that.  With the job I have I can eat good food.  Steak dinners, and I do not worry about the extra cost.  If I only had social security I would have to watch every penny.  I have savings but I might need that later.  I do not know how long I will live.  Arbitrary spending would ruin me in a few years.  Am I retired?

If I did not work, what would I do.  People who 'retire' get old fast.  Then they die.  As long as I have the health to work, not working makes no sense to me.  It keeps me young, as long as it is not overdone.

Even if I had a few million.  In that case I would rent a space and make wood furniture and things to give away for free.  I'd make sure I put in at least four hours a day doing it.  It would be my choice in that case for sure.

Retirement means not having to pay for health insurance.  You get it for free.  By that standard not many Americans ever get to retire.  RE can weigh in on that one.  I have to pay for supplemental insurance every month.

What exactly do we mean by retirement?  Not having to work?  By that standard all sorts of people of all ages are already retired.  We have to define our terms.