59 here. Not sure when I'll retire. Certainly not until my late-in-life children are finished with college. I teach 10 year olds and find the interaction with them invigorating.....were I to retire tomorrow I would be down at the school putting in volunteer time for no dinero. So best to keep it up for now and stay on salary. Besides, retiring and being single doesn't sound so fun. Better to retire with a companion I suspect. If she rides, so much the better. DG, is your ex-wife available. (BTW...that was a joke, DG-- not a very good one.)