My mother had no particular plans. She took early out at 55 to help me with my daughter. Then, as my daughter was about 6, she moved her father in with her (we had all lived together at one point, then just my mother my daughter and I, then just she and her father and I lived elsewhere). Then, he went to assisted living and then passed away at 93. So then she took care of a different grandchild for a year (one of my sister's adopted Russian daughters), then moved to a place I bought her in Northern VA and took a job as a teacher's aide working with Down's syndrome children (a job for which absolutely no qualifications were needed). Did that (and other learning disabled children) for about 10 years, taking her to nearly 80. Moved to a retirement place in DC suburbs, then, just recently, moved to Myrtle Beach to a retirement community with more services and dinner in a community dining room (she is now 85 and wants to be near the ocean having grown up on Long Island). Zero plans for any of this but a retirement well spent, of service to many. If you are an active person, with a generous spirit for service, you can do many useful things in retirement. Opportunity abounds, just need to be open to the call...