Well,actually retirement isn't bad.This is what happened in my life.About six months ago I quit my job and decided to live relaxed life.Now I am happy even though I don't earn anymore.

"We are not just born to pay our bills and die."

It is what I believe in but if I also have to admit that the same thing may not happen to everyone's life.So as you have said,it is better to build a financial security before taking the decision to retire.

Otherwise,you are going to regret big time.