The bottom line remains firm. You just have to spend a bit less than you earn. You might be surprised by how much pleasure can come from a walk in the woods compared to a cruise in the Aegean.
We like to trust people. That is a good thing. However, sometimes we can be taken advantage of if we are not careful. As we grow older this can become a very serious problem.
I know some people who say they don’t know what they would do if they were retired. My experience tells me that you will, or can be, very busy. Busy, but busy doing exactly what you want to.