Last year I reached full retirement age (SS)and with my small retirement check from an aerospace company it changed my financial situation dramatically . I have had my own shop for 37 years and about 10 years ago I decided no more employees. I live well below my means and still work but less hours. For me , I say I’m semi retired(part time) . If I left Southern California like my siblings did I would not have to work at all but I love where I live and I love what I do for$$. I may be bought out at some point by my main customer but for now I’m fine.