I am one of the people who never wants to retire even though I could have over a decade ago when I sold my first bigger company. At that time I tried retiring and found it terrible; I have tons of hobbies, a family and such but there are drivers in work (and more so in starting companies and growing them) that I cannot replicate. Or at least have not found a way to.

For me the most important is to keep starting new things and learning new very hard things (for me) and trying to apply them in business(es). The rest, at least to me, is rather obvious; stay healthy and don't overwork or work with toxic people. I made all those mistakes.

Another one is: learn to manage. If if you are a coder, your eyesight will weaken, you might get all kinds of physical issues even though fit; as a manager, even on a small scale, you can last much longer with those problems.

Build networks; you do not want to do job interviews at 60 if needed. Your network has to be solid enough to ask for a job and get one without any vetting. That is an advantage of getting older: this is very possible if you keep up this network.

But, rolling back to your post: why can you not retire? Thought about moving somewhere were this is not a problem? Because if you don't enjoy your work, it makes it vastly harder to keep it up.