A little different here - about 1/3 of my income is from Social Security (our "State Pension", about 1/3 is a pension from my company from 30 years on the job, and 1/3 from an annuity that comes from my own savings.

We could live easily on just two of those, the rest is sort of play money.

My only advice, and I think it's universal but YMMV is:

1) If you really feel the need to work, then work. But retirement is really great and once you do it, you'll be hooked.

2) DON'T retire for good with any debt. If you still owe on a house or a car, get that paid off before you go.

Lannis