I retired at the end of April 2021 (after working for 42 years). My original intention was to stay in employment until August 2022, but with a line manager that constantly undermined me, and a less than impartial HR department, I decided to work out what my pension and lump-sum payment would be and then handed in my notice.
The almost-instant release of pressure was amazing. So, with mortgage now paid off, and a modest pension to live on, I have no worries (apart from the current cost of living increases that we're all enduring). I ride two or three times a week, in addition to my rowing sessions on the Concept2 rower. However, these activities are not as important to me as continuing to play and improve my double bass playing.