I had some of the "FUD" (fear, uncertaintly, doubt) factor prior to retiring. After about 3-4 weeks I transitioned well. My many hobbies, family, and home work/repairs, etc. keep me as busy as I want. If I want to sleep in, no problem, stay up late no problem, pretty much I'm totally in control of my time. That's imporatnt to me as I get older and see time passing away much too fast.