Each of us has 24 hours at our disposal. It's up to us to decide what to do with it. Will you also "kill" them or take advantage of them at this moment'?
"Killing Time" is something to which we humans easily resort. Probably because it's about an easier way. A man tries to kill time, but in the end, even if it sounds dark, time kills him, he once said Herbert Spencer. And he was probably right!
Your worst enemy is TOMORROW. Ask yourself what is actually preventing you from not to do certain things right now and not "when you retire"? Why are you waiting for the right moment when most are of your life has already passed, but there is no way back?
Being a child is beautiful, being retired is just as nice – but what happens in between when you are no longer children and we haven't retired yet? is it time while you wait, when will Friday be for you to rest from work? That you will go on vacation? And will you finally retire? If that's really how you're spending this in-between time, you've actually killed it! Make it meaningful, special and give it a purpose.