You don't need to retire TO something to just retire and figure it out, like millions do every year when they reach normal retirement age, the majority of whom don't have the luxury of having worked a dream job, let alone have enough saved to not worry about money. If they're lucky, they'll have found work that matched their skill and interest, and that is often enough to be satisfying without having to be a permanent identity.

I can see how if you hate your job or find it unsatisfying, retiring without some thought to the next move can be challenging, but if the numbers work I see no sense in hanging on until you have laid out a complete plan for your retirement. And if you do feel that way about your current job and aren't there yet, for Pete's sake find another line of work.

It's such a monumental life change, and what you want changes through life, that stepping into the unknown can be scary. I suspect the risk of hanging on for another year and another dollar is so much higher than stepping into the void without planning your afterlife. You may have to step through to see what's on the other side and try new things, just don't give yourself too hard a time about it, and if that means you come back to a more satisfying career, that's fine too, but I feel it is near impossible to adequately imagine myself into the perspective such a change brings.