Nobody is stopping you retiring early SCD. I am trying to look past the arrogance in your post and failing dismally. I can only presume you fell out of the wrong side of the bed this morning?
Clearly you have had an easy existence throughout your career allowing you the luxury of early retirement. Let's think of some of the guys and gals out there that had to pay their own way through, probably been made redundant a few times and have family problems beyond their control, requiring them to work on for some time.
Incidentally not all pilots discard wives at the drop of a hat, having gone through the financial exercise in their heads and thought better of it.