I think retirement is a pipe dream...
I have had a very spotty work history, so I have retired many, many times. Going years between jobs have been normal for me. My longest between jobs is about 4 years, the longest I held a job was 5 years, and have had many 6 month - 1 year pauses between jobs. It's not that I don't like work, it's that I don't think I have been in the right field, because the jobs I have had in the past were to stressful for me. I finally found a job that I like and about half of my co-workers are stoners.
It's not a race to retire, it's a race to find balance in your life. The Bible commands everyone to work, so the goal shouldn't be to retire as soon as possible, but to find out what your gifts are, and help society with them. Sometimes you have to take chances and change careers to save your health and mental well being, but if you take any risks, you have to also accept the outcomes of those risks, even if they don't look good for a few years. Don't blame me, if you make bad choices, just sharing what I think is true.