Hi, I'd like to help you with your question.
It sounds like your husband could either be depressed (many people who are retired become depressed) or he could have a personality disorder.
If he is depressed, he may need to see a counselor. Medications could also help alleviate how he feels so his outlook brightens. If he is not willing to see a counselor, then you might ask his doctor to speak with him. Contact his doctor before his next appointment and let him know what is going on. The doctor may also be able to provide medications until your husband sees a therapist.
Your husband could also have a personality disorder. He would have needed to have these symptoms most of his life but it is a possibility. Here is a resource about personality disorders to help you:
If he does have a personality disorder, it is unlikely he will get better unless he wants to. Personality disorders are difficult to cure unless there is a lot of motivation.
You might want to seek counseling yourself to cope with the stress of dealing with your husbands behavior and find out how you want to handle your marriage. To find a therapist, ask your doctor or search on line at http://therapists.psychologytoday.com/rms/.
Unfortunately, if your husband chooses to act this way, you have little choice but to find ways to work around his behavior. Make sure you take care of yourself and find ways to deal with the stress. Talking to family and friends, eating well and exercise can all help you alleviate stress and feel better.
I hope this has helped you,