If you're self-employed, work out of your house or wherever a laptop can travel, do something that you love, would do it as much as possible anyway even if you weren't paid, an occupation you've always dreamed of doing, that requires skills that separate you from others, that you get lost in, something you're so into that you often get to 3:00 in the afternoon and realized you haven't eaten breakfast yet because you were so into a project, something that defines you, something that only your family takes precedence over.... then retirement isn't even in the picture.