The last 2 days I attended a retirement seminar with DW. She is a fed employee with plans to retire in 7 years at 55. There were several things that caught me by surprise. First of all the age of the attendees. Most were older than me (54). Another thing that caught me off guard was the comments from so many of the attendees. So many of them seemed clueless regarding most of the topics. Social security, 401K's (TSP for the gov folks), insurance, etc... The most surprising was the instructor who seemed to be pushing all of them to work until FRA or even longer. The instructor is 69 years old. He says he is retiring next year. He was surprised that at 54 I am down to 32 hrs/wk and looking to RE next year. He actually asked me why. He told me that my DW shouldn't leave at 55 years of age (15 years fed service) because she can't get reduced retirement until 57 and full at 62. He asked me what we were going to do. I said "taxable account" and "rule of 55". That conversation didn't go far. Oh well. Let them all keep working. Fully fund that SS trust fund.