Hi:
Retirement means stopping what you may have been doing for dozens of years and doing something new. Some people ease into it by working four days, then three, and then stopping work altogether. Others have such a busy life outside of work that they can hardly fit their work into their life and welcome the extra time. Yet many people are reluctant to stop work because it means moving out of their comfort zone. They are used to their activities and don't know or want to do anything else.
A comfort zone can be a trap. It envelopes you, makes things easy, - well maybe even lazy. You know there are things you'd love to pursue; activities you dropped as a youth, but your comfort zone may have narrowed your life. You aren't used to meeting new people, getting out of your routines. You have to work a bit, do some research, change your routine.
An old quote that the difference between a rut and a grave is the dimensions. Embrace the new and evolving person that you are and the joy that can come from experiencing the world. At the end of your life you can look back and say you gave it your best shot. After all, everything you want is just outside your comfort zone.
M.