Retirement isn't a foregone conclusion. There are lots of people who decide not to retire, now or ever. The reasons usually fall into one of four categories:
1. I love what I do and see no reason to stop.
2. I haven't saved enough so it isn't an option.
3. I have nothing else to fill my time; I'd be bored silly.
4. I want to start my own business.
I understand the rational of these arguments. If this is the situation, I actually agree with someone saying retirement is not for them. There is one foundational fact about retirement: it is a unique journey for each of us. One size does not fit all. If that means it doesn't fit you at all, or at least not now, then that is your reality.
If you started a company, nurtured it through hard times, and watched it blossom, it is probably much like a child to you. You are proud of its success and maturity. You have a whole range of emotions about your "baby." The thought of selling it to someone else or closing it just doesn't compute.
For a whole range of reasons, you may not have enough money set aside to retire. You may have fallen victim to the siren call of our culture and allowed spending and debt to outpace income. You might have suffered a major financial reversal for any number of reasons. Your answer is to keep working while you dig yourself out of that hole.
Because your work is your life you have no outside interests. Maybe you dabbled with sports when you were younger, or took up tennis because you spouse asked you to. To you, a hobby is just something that means spending money on an activity that doesn't deeply satisfy you. You have a high energy level that is best satisfied by meeting goals, staying busy, and using your skills at something you think of as productive.
You have a dream of starting a business. Maybe you know you can provide a better service or product than your old employer. Maybe you have always wanted to open a franchise. Maybe you are an inventor who believes you have developed a better widget. Retirement makes no sense now. You have big dreams to explore.
Odd, I know, for a retirement blog to tell you retirement isn't always the best choice. Over the last 8+ years of writing Satisfying Retirement, I have learned enough from comments and countless emails that confirm a choice to stop working isn't a foregone conclusion.
Retirement - Not for me!