I see myself doing a variety of things when I turn 65 in a couple of years. Perhaps working part-time doing tax returns, working at a wine bar, substitute teaching, or even a few days a week at Luby's.
My wife is really worried about retirement, for financial reasons. I'm not, because of our pensions and social security, plus nearly $250K in home equity (owned the house for 20 years). We're in a good location, and we're in the midst of updating the house, and I'm not worried about a steep decline in the local market. In a couple of years, we'll be down to the mortgage and car payments, which I can more than handle on my side.
I think most of it is she can't say no to her family, which I don't really mind. My youngest will head to college in a few years, but I want him to go to a local CC for the first two years, to mature and get his prerequisites out of the way. If he's like the typical HS student, he won't be prepared for the rigors of a 4 year university. His older siblings avoided the University of Dallas, a Jesuit university, because they both heard it was "too hard." With an attitude like that, one needs to start at a CC. I worked my butt off at Gonzaga and had a great experience.