Hi fishermen (last 2 posts), its ironic that the last two posts are by fisher people. Thats precisely the reason I want to ESR. I have not been fishing in 10 years or golfing for that matter. I do get a little hunting done tho. As far as my earnings now I make around 80k. I would more than likely have to move down to the 36k range and would happily bust my butt to do it. My lifestyle now is not too "high faluting" and I am living off 40kish now. I go back home most weekends now to see family and also a lady from back there.( Basicly I miss my mommy) My heart has always been back home, even as I worked from coast to coast. I used to lead a pretty wild life and that is why I am not in better shape financially. Its a 300 mile drive one way and its getting harder to come back to the city every trip. As far as sacrifing lifestyle 36k before taxes is my threshold, I could live on less but I wouldn't. I would hit the road again. If I had to I could live on very little and I have. I am fairly mechanical,know how to raise crops and animals and have the land to do it. I also have the bare minimum to start raising a few critters as far as land and machinery.(50 cows or so). That would be my sideline. I don't want to count that in my 36k and will work for the rest... Idon't care if that means I have to work for a farmer for 26k/yr and 80 hour weeks. I need to find the additioal 10k and also leave enuff cash for retirement. That is why I asked about the SEPP. I think I can stick out 5 years in my current career but its killing me. One big thing in my favor is that in rural America you can buy a liveable home for 40k, when I make the move I wiill buy a house for cash. That lowers my expenses a bit. I just have to find a way to get back there, but I want to be mostly FI. I don't know if that clears up my situation or not but there it is. I greatly appreciate all replies, thanks for taking the time to answer a 'DREAMER"