By a constant study of the Gita, You should learn to shed all care. When God is the care-taker for us all, why need we carry the burden? Ours is but to do the task that falls to our lot.
Hence I would urge you not to think of retirement. True retirement is not a physical state; it comes from within. We have to find retirement in the midst of ceaseless work. And are not the minds of those who are living in caves, oftener than not, ceaselessly at work?
We should not brood on our hard lot. The lot of those who would serve is generally, if not always, hard.