I think it depends upon what your financial picture is and whether you are alone or in a relationship or whether your children and grandchildren are around you. And it also has to do with your own state of mind and health.
For example, I likely wouldn't have lived through my heart virus when I was 50 unless I was married and had a 2 1/2 year old daughter then. I sort of refused to die and to leave my wife as a widow and my daughter without a father. So, basically I refused to die so I didn't. Also, I was forced to retire at age 50 in order to stay alive then the doctors told me.
However, if I didn't have my wife and children around I likely would have given up and died at 50.
So, what is the hardest thing to survive regarding retirement?
Once again it depends upon what is happening in your life when you either choose to retire or are forced by your health to retire like I did.
However, because I almost died I moved away from Middle Aged Crazy to a place where I have been grateful for every moment of my life I have left instead. This was a very big change for me but if you come as close to death as I have many times you might feel really grateful for every moment you have left with your wife and kids and grand kids and friends too.
Being still alive and retired can be really nice, especially when you can travel during the week when traffic isn't as bad as Friday afternoons or Sunday afternoons. Not being in a traffic jam every day to and from work is one of the happiest things in my retirement.
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