Martha Clarke Interpretation: When you are young, dreaming of retirement demonstrates a desire to forget your worries and live more peacefully. Probably you are carrying a great tension and the subconscious is telling you you need to enjoy a period of calm.
If the dreamer is already retired in real life, it is just a reflection of their current situation.
Literally, concerning a particular activity
Realization that I have the freedom to draw on accumulated wisdom and experience rather than just withdrawing into myself