I dread retiring since I love my work (commercial photographer). Three more years and I plan to slow down a little.(63 now.) One common item mentioned is "putting the kids through college." It seems that it is a deterent to many wanting to retire. As a former college prof, my best students were those who put themselves through college. They missed less classes and were more motivated. My eight children all put themselves through school, some athletic, some smart, others just worked or got loans. Of course, we helped but our obstacle would I like to retire now is health insurance. My wife is only 50.
Robert