The first book of the Hebrew scriptures and the last gospel of the Christian scriptures both open with the same phrase, "In the beginning". Both scriptures imply there was nothing before the “beginning” they go on to describe. For us, as humans, it is very difficult to conceive or imagine nothingness. We are made of flesh and we live in a world of matter.
Time to retire. Retirement time. Time of retirement. These phrases, while seeming to say the same thing, are actually saying quite different things, things which retirees have to discern so as to decide which is the best fit.