What would you do if you were me? I'm 52 and my wife is 54. I have a terribly stressful job. She'll retire with a NYS pension of $65K on her 55th birthday in June 09. We need $75K net to maintain our quality of life. House is paid. Health insurance will be $200/month. I'll have 200K cash when she retires and another 150K Roth IRA, 100K Traditional IRA, and 500K in tax defered retirement annuities (403b), all available to me in 7 years. At 62 I'll get $1300/month SS and she'll get $1200/month if we stop working next year. We did the SSA calculator and received those statements in the mail. Both of us had a sibling die suddenly in their 40's and we realize that life is too short and we want to enjoy life together, without working. We got married this past April after 18 years together. I think we can afford to stop working next year. Hoping someone else can crunch the numbers to either set me straight or reassure.