take the money and enjoy your family life!I too, had to face similar problem-it worked out for me.I was 38 when put out to pasture(disabled);my children during the first year,told me"dad,we like you being home.now were like other kids."words out of a child mouth-rings so true.some background about me.Iam in my fifties,today.I have worked part-time for 14 years and spend as much time as I can with my (extended) family as I can.I stumbled into this web site two days ago,am thrilled to see fellow travelers .my wife continues to work full time(same company for 36 years)and i work two part time jobs(42hours) a week.put my sons thru school.but Iam a failure: because most of my family retired at 55 years of age-I can not!I hope to retire at 62,wish me luck.