I've never had money--ever--in my life. I've always known that I'd work until I died. It's just a fact of my life. I enjoy working (depending on the job... )
I did cash in a few small retirement accounts to pay bills while M to the X because I was counting on his retirement (which he is already getting) but I also knew it would stop when he died.
It's an attitude adjustment. No, I'll never travel to fabulous destinations or live in a huge home, but I've re-prioritized my life, and I don't need those things anymore.
I hope you can find peace and tranquility in your retirement--that's what I'm looking for.