My working life was always stimulating, I loved it. The last twelve years of work I ran my own business with my brother as a partner. At the end of that twelve years we had a bad debt, a customer had gone bust owing us money. My brother suggested that it might be time to call it a day. We sold the business for quite a considerable amount.
Two years later, that same brother had brought his golf handicap down to single figures, I, on the other hand, having no such consuming past times, had spent most of that time writing a book about my wife and I and our adventures in our vintage MG car.
A chance phone call from a former client, along the lines of: "What are you doing?" That always means, "I need help but etiquette requires an opening remark that is innocuous." "You have a problem?" I said. "Alan has been diagnosed as having a TIA." The former client explained, adding, "he must take a year off." then went on with a little flattery, "you know every crack and crevice in this industry, would you help us?" The year was 2010, I was 64. Alan had his year's recovery and is back to full health, he is still working there. How do I know? I'm still working there too. 76 and still going strong.
As a postscript, I have just had a litmus test as to whether it's time to call it a day. New Year's Eve, my wife and I came down with covid, I have been off work, isolating and have now been negative for over a week. Tomorrow I start back and the litmus test shows that I am looking forward to it. Work is about horses for courses. If work is a means to an end and the sooner that end comes, you are off, good luck to you. But if work is a stimulus and going there is not a drudge, then go for it. I don't do it for the money but I do admit that the pay does make life rather comfortable.