Thanks for the words of encouragement. I think financially I will do fine. And life is uncertain enough that even if I continued to work another 3-6 years to traditional retirement age, something could happen either financially or to my wife's or my health that would not allow us to enjoy life. Life is not forever.brewer12345 said:That's great, bookman. I'm sure you'll find that you have saved up a very wide umbrella indeed and the rainbows will be coming out directly.