I just got a call today (on my answering machine, I was out) from one of those scammers threatening to send law enforcement to arrest and jail me if I didn't call a number back. The number was 214-771-7027, somewhere in Texas. I did a quick search on that phone number and got a lot of recent complaints on it; I added my own. I didn't call the number back, of course.
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!"