I retired in early 2004. At first you sleep late and take a very relaxed view of life. After awhile, I got bored and felt the need to have responsibilities. This might sound strange, but to a degree, I miss work. I guess this is a case of the grass is always greener on the other side of the fence. I'm financially secure and we have traveled a bit, but travel is expensive and there are limits. We are building a home in another state and this has consumed a lot of time. However, a lot of the time is simply waiting for someone to do some work on the new house. Dont get me wrong. Retirement is great. But you have to plan activities to stay busy.