I flew to 65 fella's, had to, had a little interference with the bank balance during 89, four sprogs to feed and educate, sometimes you have to. But after 65, you have had enough, 0200 wake up calls don't excite you anymore, your plumbing could be giving you trouble, and your undercarriage is not what it used to be, in fact nothing is. I used to look with envy at blokes fishing in Botany Bay, and thought stuff this, I am going fishing, never regretted it, the missus found it hard to have me home under her feet, but the dogs loved it, go for it. The other thing to consider is that for some reason some pilots fall of their perch, within a couple of years of retiring, and more are getting dementia early, that is a worry, you need to have some life before you go around the twist.