For me retirement depends upon being able to maintain my lifestyle. My home is not paid off, so my wife and I need enough money in the bank to pay off our few debts and still have enough left to live off of.
Not sure I will ever be fully retired; more likely I will have a part time job doing something really different that will pay for my cigars
My original plan was to retire (do something different) last year, but I was layed off back in 2007 and out of work for a couple of years and that put a big kink in things.
If I am lucky I will be able to "retire" in 4 years.