Hello All, I'm a NJ school teacher starting my 26th year at age 48. I have always thought about early retirement and was wondering if there were any other teachers who took the "penalty" and got out in years 25-30. My son is 15 so I think I'll work at least 4 more years, but then would love to retire from teaching and do something else and be semi retired. Besides my pension I have about $300k in tax shelters and my house is paid off. Thoughts? Thanks for your time. LWT1960