Mmmm . . .
I'm 73 and I can't see any reason to sit in a corner, smelling of wee and waiting for 'Spoons to open.
I don't have a pot of money sitting waiting for me to dip in on a rainy day. I simply get an income from 3 pensions - the State pension, just over £600 every 28 days (that is paid straight into my Turkish bank in TL), my army pension and a small £50 a month pension courtesy of my dear departed wife.
However, I can live comfortable on my State pension at the moment because the £/TL exchange rate is in my favour. It easily covers all my day to day expenses here. The army pension and the little one go into my UK bank (Starling) and I have a few 'Spaces' open for savings - kitchen (I need a new one), holiday and hobby money. I only very rarely buy on credit.
I'm as active as I want to be, currently getting boats ready for late spring, developing and making a range of bird tables that should sell easily and some astrophotography when the weather allows - the photos need processing which is an ideal job for a rainy day.
I think it's difficult to predict what you're going to get up to when you retire and what you're going to be able to afford to do and to be honest I think it's a foolish exercise. You have no idea whether your good health is going to keep pace with the passing years, whether your nearest and dearest are still going to be there, or what the weather will allow. For sure, having loads of dosh will allow you to sit around and think of ways to waste it but it's got to be better to decide at the time, bearing in mind your circumstances at the time how you are going to fill your days. Your prostate may have a say in the matter.