We found out on Friday that the state university where my husband works will be laying off tons of people on Monday. Due to the state budget, they have to cut millions of dollars. We were planning on him working 2 more years to get a higher pension, but he is eligible now anyway. It's just that it will be less than his current salary and we still want to save at our current rate. He will have opportunities for consulting, if this happens. And he can finally clean out the garage and basement. He would also have health insurance. We don't carry any debt or mortgage. I guess we will see what happens Monday.