They say there's no such thing as a free lunch. Insofar as nothing is truly free, sure, I suppose "they" are right, those smarmy know-it-alls. But if we're explicitly talking about the cost to your ...
"What are you going to do with all that free time?" Actual and soon-to-be retirees know the question well. When you're ready to call it a career, it's one of the things people love to ask you most.