I prefer to think of retirement as when I don't need to work in order to be able to afford a comfortable lifestyle. Approaching that point now. A couple more good years from the stock market and work becomes optional; not necessary. On the other hand, I actually enjoy doing software development and may keep working for quite some time after I "retire." The only obstacle I see is that a lot of managers can't deal with having someone working for them who doesn't desperately need the job and is therefore not willing to be treated like s**t.