I work in a unionized workplace. I'm a young guy but most of my co-workers are your age. It's sad because a fair number of them die before retirement, or they die shortly thereafter. Sometimes it's a result of drugs or alcohol, but more commonly it's health problems associated with long-term factory work.

Many of the guys I work with have had enough of the job and are set financially, but they keep on working. Some don't know what to do with themselves once they retire, and others would miss the social aspect of it. Some like the routine.

My advice is, if you can afford it and you're ready to call it quits, go for it but keep yourself occupied and busy with things you enjoy. Don't sit at home and drink all day like some of these guys end up doing.

If you can do things you love, I think you will really enjoy yourself and be much happier. You earned it, after all!