You make it sound like retiring you’re sitting home and rotting. I know 80 year olds who surf and bike everyday. Of course you can’t do that in Memphis. I just met a guy who retired at 36 and skis everyday. That doesn’t sound like whittling away. There is definitely more to life then work. Living in a state that promotes more than eating helps. California has its issues but if you can afford it there are plenty of healthy lifestyle options. Retiring in your 40’s doesn’t have to be dreadful it can be a wet dream.