Not retired because I don't want to live on social security alone. That would be a bummer.
Retiring to millions may be true in theory for certain programmers, but certainly not true for all programmers.
Reality is often different for everyone. As the African proverb says: “all fingers are not equal” meaning the outcome of a specific situation can differ across people. For instance, what if s/he had a financially draining medical emergency, forcing them to rejoin the workforce?
And then what? Believe it or not, some people consider programming a blessing and fun. If it keeps you engaged, why not continue to get paid for it?
I'd love to spend months reverse engineering proprietary electronics and writing open source code / datasheets for them.