Crazy question. If you're going to retire, do it for yourself. How would you retiring (from what) help your grandkids? Or are you retiring to hurt them? Now, if you retire and spend time with them, talking about "the olde tymes" and about their forebearers, that might be worth more than any money you could earn working to leave to them. As I look at your input to HubPages, I'd say you are already retired and having a ball writing. Am I right?