Long time follower of this site .In the zone to fire . Retirement for me is not about ending , but beginning a new chapter . I’m 56 , 20 years in a stressful job and in love with stability and conservative with money . Although moderate risk allowed me to make some good decisions and earn more than I thought I would . Remarried at 53 with blended families and weddings coming up . You think you can’t do it but our new mindset of being in the zone has helped us tremendously . . My husband is 32 yrs in with a defined benefit so we are lucky . We are in zone now to retire in three . Bought a second home down shore . Downsiized primary home to condo ( will sell to live at beach and be mortgage free . ( already appreciated in value) No car payments , paid off debt . Jobs ironically became more necessary and less stressful when we embraced that we need to make them work until we are ready to let go . When my attitude changed so did my zone . We have more opportunities coming to us now than I ever thought possible as far as second career consulting / work from home type jobs . We know we need to keep busy and we both volunteer already and our building our network . It’s not easy though . There are days I want to throw in the towel and just get off the wheeel , but I keep my end zone in sight . I realize that making permanent decisions on a bad day is not the same as a bad life . I love this site . I wish all the best and hope to continue to find ideas and resources until we officially fire .