You're looking for "the reason to get out of bed everyday". I'm not retired, but was off for 18 months. Not feeling "needed". Not feeling like I was accomplishing anything. Luckily I landed something that gives me all that back. But it opened my eyes to what MY retirement might look like and I wasn't ready.
Sounds like you're "not ready".
So as others have mentioned, do things that give you back that reason to get out of bed: be it volunteering or taking a part-time gig. (I've contemplated going back to a "service job" like I did in college in retirement with no-stress.) Mentor. Build something you always wanted to, that requires planning. That requires collaboration with others. That requires interaction. Even if it's only on forums with like-minded people. Find the thing that gets you out of bed and looking forward to it.
Thanks for the reply. Sounds like you took that 18 month hiatus and found not only a way to address the non-financial challenges of being out of work, but also a framework for planning for retirement. Sounds like a “silver lining” that you made happen out of a tough situation. Congratulations…I hope to do the same

