If you can't (legally, morally, whatever) just walk away from the job, you're working, not retired

I don't quite agree with this. Let's say that all you are doing is some charity work completely for free every Saturday morning (let's say helping elderly people at a local community center or whatever example you want to put here). I think most people would agree that you can be considered retired. However, you can't simply get up one Saturday morning and just decide that you won't go, if people are expecting your help and are counting on you. So I think this is an example where you are retired, but you can't morally ignore your obligations.

I would rather say that if you can't just walk away from the job for FINANCIAL reasons , then you are not retired. Maybe an even better way to put it would be to say, if you would keep doing whatever job you are doing now even if it did not pay a penny, then you are definitely retired !

Patrick