How many of you can RE now, but are saving to raise your std of living?

[Surfdaddy]

I could probably retire now, and more or less maintain my std of living. But I'm 49, I have two kids 11 and 13, and I'm concerned that even if I buy medical insurance today, it might go up so fast that it harms my standard of living in a few years. A cushion that allows me to make some bigger purchases, cover other larger contingencies, or just travel more, looks really appealing. Plus, if I wait even two more years, with the investments I already have, I may be able to raise my RE standard of living substantially.

Am I unique? As much as I want to retire now, there is a certain *security* about working a bit longer. I keep saying to myself... "just 2 more years!"