[Baz]

A few factors come to my mind - maybe worth considering:

1. Medical/health care - if you are close to 65, you qualify for Medicare - otherwise - a plan is needed.
2. Doing absolutely nothing is not an option for most people - something is needed - a hobby (or three) - or part time work - doing something that interests you.
3. Time flies - so cherish it - whatever decision(s) you make - remember sand is running through the hour glass
4. Adjustment - it's a wonderful time of your life - but will take some time to figure it all out - perfectly normal - so go with it.