Imagine how any of us would feel if you could take early retirement, and were reasonably set up to afford it. Sounds great apart from your health and the demise of your folks. As you know I'm retired, 67, and still hip and still alive and kicking, but I was semi-retired by 53, like you. But I was fit and healthy and was enjoying a big varied life in advertising... but for people like me, there is usually no future for a creative like me after 45. I'd say stay as fit as you can, cultivate new friends, in age, and geography and of different persuasions.. Take up new opportunities to develop skill and fun pursuits. I took up sailing, and sailed around the med and crossed the Atlantic. improved my cooking with cooking schools in Italy and just travelling around. Developed more of my creative network, doing movies, gaming, crowdfunding, publishing. Started more social members clubs, managed a punk band, became a new age raver, became a director of a respected environmental pressure group... Most of all of this cost me little, only time and hospitality. I did lose most of my big money eventually from a breakup with my loopy girlfriend at the time, but my life was enriched more than just a successful career, with great new memories and the potential for more experiences. It's all there for you. Given your health, build your strength and build more memories and friendship groups. I think at your age, the state pension for you will kick in at 67-68... and it's best if you keep up your national insurance so you get the best terms for retirement.
I'm off for nearly 4 weeks to Singapore, Penang Malaysia and Thailand with my lovely new lady of 18 months Kathy, pictured below. She was widowed 3 years ago when she was working in Beijing over 3 years ago. We all know life has some great things to offer. She's recently just donated a kidney to her sister in law. So there's always time to do good for other people and find the good in other people, which makes life better for everyone.
When I get back, let's hook up and have a social chat. Come and talk to my mate Noel, the biker.. He took early retirement and has severe diabetes.. But he's having a great time and does big bike trips all over, Europe, Asia, the Antipodes, Far East and later this year from London to Delhi... He also does lots of big sailing all over too, and has been building his friendship groups on the way. You've met him before with me..
Finance wise, just get some good proper advice, and don't blow it. But invest in memories and new friends... If that involves a new bike, or building expertise or getting new gear for a new hobby, or stuff you may need that will help you to be a volunteer, or keep your hand in for some short term paid work. Then do it. Keep your overheads low and don't have any borrowing. Try and do more of what you like in a climate or geography or city you like.
I'll be back in early March, so let's meet and hopefully, you may have had loads more good and crazy suggestions to think about.
Meanwhile, stay healthy, stay safe, get a cheap flight and think about this stuff in the sun. All the best Gass... Gts 250 silver machine.
Me , not a day over 67, with lovely girlfriend Kathy and my dog Brooke.