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Retirement does not mean not working. To my wife and me, it means that barring unforseen cataclysmic changes, we can work or not work, and our wealth grows automatically, staying way ahead of inflation. I guess it means freedom. The assets are large enough to grow by themselves. It’s like planting a tree. you water it for years and then one day it doesn’t need you anymore. Its roots have gone down deep enough. Then, the tree provides shade for your enjoyment.