I retired at 55, I don't wear a watch and only set the alarm when I'm going out fishing in my boat.
I'm glad I retired when I did, I have 37 years of memories to keep me going. I don't miss the Hi-Viz vests, 'elf and safety' and 0700 FOD plod, after the sweeper has already cleaned the apron, to 'improve morale and cohesion' between the aircrew and maintainers. (To my mind, the best way to do that is put a barrel of beer on @ Friday knockoff.)
I do miss the people, the 'can do' attitude of the military, the deployments and getting attack criteria on an unsuspecting sub.
A wise man once told me that you'll know when it's time to retire, in my case, he was right.