I am 47 and retired 2 years ago at age 45. I just began my 3rd year of ER this month.
It is nice seeing money (monthly dividends from bond mutual funds) just pop into my bank account each month without having to do anything to earn it!
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"