I will retire when my State Pension kicks in. I am already part time - I do three half days and one full day each week. Have to say it's worth every penny of the reduced income. When I do retire, the two of us will have sufficient in pension contributions (work and state) to mean that although we'll have less money than we do now, we'll be able to cope. Thankfully we don't smoke, or drink (we are each on assorted meds that rule it out) and veganism (if you cook from basic ingredients) is one of life's cheap options.
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@Robinredbreast says though, I plan on enjoying the time until then and not just wishing it gone.