I think it is a matter of being able to choose. If you're going to do it because you need the money to survive, it is an obligation and will bring in all the stress and stuff we are trying to get away from. So you won't really be retiring, so you're right, it will be an oxymoron. But, as moemg put it, if you do it for fun, to occupy your time, you can drop it anytime you feel like it, and the money is just a nice plus for discretionary spending, I would still call it ER. Now, I personally would like to stay away from anythig related to the job I have worked in for over 3 decades, but this is a subject for another thread.