Ok, so hello. I'm 49 and considering retirement in 6 months, as the title says. This is more of what I refer to as forced fire. I really dont want to retire but they merged my job and in one word, its awful now. So, staying isn't an option. Retirement at say 50 wasn't my plan. Fortunately, I think I can make due , even without working. I will have a pension of say 100k a year, no cola. Medical costs of say 700 a month. Lower morgage of 2400 ( for NJ thats with taxes and insurance so low ) , I have one wife who works part time and a 14 year old. I will not get SS. My money saved isnt bad and should last if I am smart. I have never budgeted, nor can I . Just something I never did. I have no other debts. Basically I am the last one that still carries and pays cash for stuff, if I dont have it in my pocket, I dont buy it. My questions, are , I am afraid of not working. And doing it so early is frightening. My skill set isnt a ton of use outside of my feild, and tbh my body is too beat up to do say physical stuff like I used to. And thats pretty much the only stuff I enjoy for work. My options are limited, staying at work will run me to an early grave, but retirement may bore my to death. Any insite, or advise. Or scolding is appreciated.