Next year is my year to go for it as soon as I turn 55. Single, no dependents. Currently have 1M (not as much as some others on this site) in retirement accounts, but I will receive 90K federal pension with cola and part of my health insurance will also be covered (not eligible for ss). My expenses (including 80K mortgage) will be covered plus I will be able to save about 1K a month. I think I'm in pretty good shape to take the plunge. My biggest challenge will be to spend a little more on myself!