It makes the most financial sense to work until I'm 64 with my particular retirement plan. I've been thinking about what tours I'd like to do when I am free to devote as much time as I want, and the first one that comes to mind is a Trans-Am, probably the Northern Tier route. But I'd also like to do more riding in Europe, and visit New Zealand and South America. Meanwhile, I commute to work, take recreational rides on the weekends and try to tour every summer or fall. I expect to be in good shape for touring when I clean off my desk for the last time (okay, the first time).