I know people that enjoy their wo*k and have a hard time leaving what they see as easy money. But for those that are no longer having fun and CAN retire?? Sounds like you just need a hobby or something that makes you want to get out of bed every day. Can't help you with that but how about taking some classes to discover what that is? Photography, music, cooking, astronomy, making beer, making bird houses, line dancing... anything. Hey, I think I just came up with a couple ideas for myself! Thank me very much.
Also, here's a link to a thread that might be fun for you. It was fun for me to read all the responses!
What's your favorite thing about not having to go to w*rk???