I retired 2 years ago, and I can honestly say that I haven't regretted one minute. I left school at 15 and have been lucky enough to have never been without a job. I have a company pension, and I feel I'm quite comfortable, being able to run a nice car, take a holiday when I want, and it's great not to be on the clock. And I am NOT a burden on the state. I'm not getting my state pension yet, but when I do, it's my entitlement, NOT a hand out. Finishing work freed up a place for a younger man to fill, so really, I've done the state a favour.