I retired early (57) and have no regrets. I do a bit of work in the same line as before, but on an occasional and part-time basis, so I feel useful and stay up to date with my profession, although quite why I want to I'm not sure
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As you say, my disposable income has gone right down, as there was 9 years between leaving work and getting my state pension (I still have 3 to go) and my occupational one is small; but it's surprising how much you save by not working. Commuting, clothes, coffee/lunches etc add up, and not paying them saves a lot.
If you can afford it, I would do it if I were you. I thought I would miss it, but I really haven't.