What is the worst that can happen if you retire early...you go back to work...in my 20's I was FABULOUS and BROKE.....30's ...LOL...I had a gift...noone wanted it...OMG! 40's...WOW! I had 10 years of SUPER...at 50 like a chameleon...I shed my skin....if you want a BMW...you will have to work for it...I just traded in the vette for a PT Cruiser...I may need to go back to 'work' I have been an entrepenur all my life...I never fit into a regular job...I always did very well...my plan is to continue life as I have always...I probably could start a magazine in the Mountains if I had to...I don't want to...yeah...I could get a real estate liscence...I DON'T WANT TO...I don't have 401 K's...I was my own boss...no pension...just faith in myself! Hey! If I can do it....you can too! Annie