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Retiring, according to the dictionary, is to “withdraw from one’s position or occupation or from active working life.”

You can achieve retirement when you have sources of income that do not have to be earned by working.

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Retirement is a relatively new concept that has come about as life expectancy has increased.

One hundred years ago, the concept of retirement did not exist.

Prior to such programs, people worked their entire life. If they were unable to work, their family was expected to provide for them.
One does not need to retire, although it is advised that one does in order to enjoy their later years of life. Unfortunately, not everyone can afford to retire, so retiring is a choice.
Retiring does not mean one has to simply rest. One can continue to work after retiring, but the concept is about moving away from the mainstream and starting a life after work.