What is your education level? If you still got the energy level and spare time, you can try doing jobs.

Frankly speaking, even highly educated people lose their jobs when they are in their late 40s or 50s. After that it is very difficult for them to find another job that pays them the same wage as their old jobs. So they have no choice but to either retire, or take on lower paying jobs.

Some tried to go into politics but as they found out, it is not so easy to get elected. Some unlucky ones even lost their deposits.

Many others I know bet on toto while still working hoping to win their retirement fund. $1m can help them go a long way but it is still not enough to retire on. You will need at least $2.2m prize money.