It’s about change
What is the opportunity before you?
Retirement is a major change in your life. Financing it is the easy part. Identity, social connections, lots of togetherness with spouse/partner. Why do you get out of bed in the morning?
Are you juggling kids, aging parents, or a career where you are just going through the motions to pay bills for stuff you may not even enjoy? Might you be asking, “Is this all there is or am I missing something?”
Not sure what you want to be when you grow up? Hate your job but feel stuck because of $ and benefits? Starting something new seems like a waste of education and experience? What is the cost to you, physically/mentally, of inaction?