Official retirement is still 25 years away for me. Like most people I dream of retiring to the sun, but in reality I wouldn't live permanently in Ph, 3 or 4 months to escape the worst of the winter would be perfect for me. There are many reasons why I could never leave Britain full time, kids (future grandkids?, other family, health service, standard of living..etc).
TBH, i actually enjoy my life right now, 3 or 4 trips a year to Ph suits me fine. As long as I can maintain my current standard of living and plan wisely for old age I intend to do the things most people plan to do when they retire now if I can
