I call myself "retired but working". I'm 54. Got laid off from programming job at MegaCorp at age 48. Our jobs were outsourced to Bangalore, India and Monckton, Canada. Gave up looking for new IT job after hundreds of resumes sent out.
I now work as a manual laborer. Love the job. Compared to a typical day of computer programming, my new job is like a f***ing vacation, and I'm earning 60 percent of my programming salary for a no-stress job, with health bens. So I consider myself "retired but working". And lucky.
Had I not been laid off, the reason I would have given for FIRE would have been stress, just plain old stress.