You will meet retirement with a sense of loss. No longer will your life be controlled by some staffer somewhere. Now you can go to bed when you want, rise at noon, read the papers in bed. In short you control your own life.
This euphoria will last about a week.
Then SWMBO will chip in with can you paint this . . . can you prune that . . . Soon the jobs build up. What took one woman 5 days and one man 2 more days now takes you more than a week. The realisation sinks in and you wonder how you found time for work. You need an electronic diary to plan and deconflict appointments a year or more in advance. No longer are you busy for children's/grand children's birthdays, plays, sports etc. You become an unpaid child minder and so it goes on.