My wife always tells me I'll drive her crazy if I retire. One piece of advice is "retire comfortably" is a moving target. I could probably have retired 5 years ago "comfortably" and now I can retire "more comfortably" and yet it's probably not in the book (yet).
I might still decide to work on something but very not primarily software. Maybe I'll teach, work on something more manual or do volunteer work.
Thankfully my wife doesn't read HN.