My 2 cents is: why the heck are you retired at 45?
why not? does your life/meaning have to revolve around work?
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Certainly not. However there is a lot of middle ground between meaning deriving from work and not working.
gotcha, your question seemed to imply there was something wrong with retiring at 45... perhaps I misinterpreted that?
"My 2 cents is: why the heck are you retired at 45?"