Cryptic crossword clue
Reportedly, John Wayne spoke this way in retirement 10

The most common and most likely answer to this crossword clue is the 10 letter word WITHDRAWAL

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Buddy explains!

The straight part
We know that "retirement" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case retirement = withdrawal.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does WITHDRAWAL mean?

WITHDRAWAL noun
  1. Receiving from someone's care what one has earlier entrusted to them. Usually refers to money.
  2. A method of birth control which consists of removing the penis from the vagina before ejaculation.
  3. A type of metabolic shock the body undergoes when a substance, usually a toxin such as heroin, to which a patient is dependent is withheld. Sometimes used with the substance as modifier.
  4. An act of withdrawing.
  5. The sum of money taken from a bank account.

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