If you miss work, maybe you shouldn't have retired.

I don't miss it. I liked my job, but I also like more not having to go in every day. I like being able to travel for two months without being home for one day (I was maxed at work at 4 weeks, and they didn't like me taking it all at once). I like sleeping late if I want to. Etc.

But it's not for everybody. Some people love to work, and that's great. They're happiest when they're doing a job. Maybe retirement isn't for those people, and that's fine. You don't have to retire. Society sort of expects you to, but who cares? As I get older, I care less and less what people and society think (not that I ever cared that much to begin with...if I'm not hurting anyone, let me do my own thing).

Because of mom dying, we had a chunk of cash I inherited. I'm distributing the retirement stuff quickly (three years). I don't think it will affect my IRMAA, but better safe. They could always change the rules. Plus, since I didn't invest that cash, it's sitting there for living expenses while my investments remain untouched. They always say you should have two years' living expenses liquid. We have at least four, since our house is paid-off.