My longest ride was 2 months in duration between jobs. The company I worked for dissolved and a 3-month "package" came with the layoff. It was quite cheap to solo bikepack, so I banked most of the severance and paid the rent with it. Don't use your retirement, even though you may have the option to pull it out. You'll need this down the road for your "senior tour."
If a long tour one day suits you, buy a bike capable of touring now. Ride it on weekend trips and training rides. Take a week up on the Blue Ridge Pwy. or a portion of one of the Adventure Cycling routes. Then, when the situation really presents itself you're not altogether unfamiliar with what it takes to propel you, your bike and gear toward the adventure of a lifetime. And you will be rewarded with the greatest sense of freedom you've ever experienced.
I'm leaving to do a training ride now...