Oh what the hell...I might as well go for it...*closing my eyes and plugging my ears waiting for the scoffing reply*
I personally think that, all that is, is a dream state of various levels of consciousness and energy.
You have moved your mind to a more receptive state, now that you have retired, opening up different levels of an energy stream via brain chemistry.
Like LSD...sort of.
Your parameters for discussion on this topic are quite restrictive, however...I decided to make myself vulnerable for attack.