Their retirement reward is to be able to continue to pursue their lifelong passion whether it's a hardware store, law practice, or photography. Since you can look forward to another two decades, plan to make it as interesting as possible. For example, make a list of ten things you'd love to do if you could afford to retire. Then, write down how much time you're spending on these activities now. Most likely, you have a retirement fantasy that includes a lot of exciting pursuits.
People find time for the things they love to do.
In a sense, successful retirement results from people who call their own bluff. All their worklife they talk about all the exciting activities they'll be engaged in. Then comes retirement and they don't pursue any activity. Don't wait for later to discover that your retirement dream is all show and no go. A common mistake is to concentrate only on the financial aspects of retirement.