Been retired for over 20 years. No problems, seem very busy and have spent these years trying to figure that one out. I have come to the conclusion that one reason for busy is that it takes me about 3 times as long to do the simplest thing. This remains a fact AND a mystery. Money doesn't seem to be a problem nor does my health. My memory continues to decline. The VA gifts me with occasional 8 hour memory tests. They tell me I am in the upper 1% for my age group so I have stopped feeling sorry for myself and have started to feel sorry for the other 99%.
Not unlike the ancient Greeks (I am not Greek) I also deplore younger generations for all sorts of stuff that, on reflection, is a complete and utter waste of time.
Other than that.....................