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Wear me out in return for living in privacy (10)

Ross

I believe the answer is:

retirement

I'm a little stuck... Click here to teach me more about this clue!

'privacy' is the definition.
(thesaurus)

'wear me out in return for living' is the wordplay.
I cannot really understand how this works, but
'wear' could be 'tire' (synonyms) and 'tire' is present in the answer.
'me' is found in the answer.
'return' could be 'rent' (rent is a kind of return) and 'rent' is present in the leftover letters.
This accounts for all the letters.
This explanation may well be incorrect...

'in' acts as a link.

Can you help me to learn more?

(Other definitions for retirement that I've seen before include "Going to bed? - I met renter (anag)" , "Process of withdrawing" , "Withdrawal" , "Life after work" , "period as emeritus?" .)

I've seen this clue in The Times and The Sunday Times.
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