Damn as I read it was hoping the see you won the lottery, LOL.
I get the question of retirement frequently even though my 'baby' face masks my 69 years and my standard reply is 'not yet in the vocabulary'.
Compounding the need to still bump up the retirement account is the 'sense of duty' as I am one of the few primary care docs left standing in the area after the big city medical center just closed the other practice in town and doesn't look like they are planning to reopen it.
Abandoned/desperate 'new' patient phone calls leads to saying yes and adding another straw to the camels back, did my share of strenuous labor before medical school so think the back will hold up.
Just have to give up the idea of getting the golf handicap down to single digits.
That being said we have all sacrificed more of our and our family's time then most professions do and none of us should feel guilt with walking away whenever the time is right.
Just win the lottery dammit!