Been reading and learning for a long time. Finally joined the "no more for me" team on Dec. 1. Took a good six weeks to decompress and not wonder about why I was not at work. DW retired last May, so she was ahead of me on the relaxing part, but I am catching up quickly. Both of us have those "guvmit" pensions, as well as investments to carry us through. Both 55, me with 35 years in the work place and her with 25. After reading this forum for a long time, I moved my rollover portion of my pension to Vanguard IRA. It was mailed on Friday and should arrive early this week into a Life Strategy Fund that is basically a 60/40 split. Know could be more in equities with the two pensions providing normal living costs, but still to conservative to run that level of risk without maintaining a balance. Three kids, all grown and gone, five grandchildren, all under 8 and wonderful. Enjoying our time.