To retire or not to retire? That is the question, right? Whether it’s better to keep toughing it out or toss in the towel, and see what’s next. Seems like that topic always comes up at get togethers with friends. Or when Charlie and me are having breakfast, or on a road trip. Or in the middle of the night when I should be sleeping, I’m pondering to pros and cons. At parties, we used to talk about work, vacations, what our friend’s kids were up to. Now we kick off with an organ recital. How’d that hip replacement go? Your back still bugging you? How about the colonoscopy prep? We segue from that into …