I always planned to retire before age 60 and did so at age 58. I waited until age 62 to take a company pension and Social Security. From age 58 till then I lived on investment income. I am quite comfortable now with The pension & Social Security and do not need at this point to use investments for anything. From age 58 until just two years ago I was able to take seven cruises on different size ships to many parts of the world, do considerable scuba diving, own a home in New Zealand, play lots of golf and live a very active life style.
It's all in the planning and I have no regrets other than wishing I was 20 years younger so I could enjoy it all over again. BTW I am using some of my investments to establish UTMA accounts for my four great grand children, soon to be five.