You can develop in retirement, but your character is formed in wandering. There is an old saying that "bystanders see clearly". When things happen in your own life, you often can't think calmly. When things happen to others, you don't have any pressure, you can calmly come up with some solutions. This should be the first half of the explanation. The second half can be explained like this. Life is too dull, you don't want it.