If you have a 9 to 5 then you're waking up at sunrise and going to bed some time after sunset. You're probably commuting, getting out in the world, chatting to people even if it's just the colleagues, Starbucks drive through, supermarket checkout clerk, that sort of thing.

If you have retirement level money and you're alone there is absolutely nothing stopping you from waking up at 2pm, sitting on your computer playing World of Warcraft ordering takeaways, not going out for a walk or seeing the sunlight, getting slightly more depressed each day in a spiral.

There's also nothing stopping you from going out drinking every day or every other of the week, shrugging off the hangover then hitting the next one. And so on and so forth.

People easily underestimate how much their sense of well-being is related to simple things like just going for a walk in the sunshine every now and then or eating properly.