I think a lot of people are retiring way before they wanted. I know in the IT business there has been a trend in trying to force people out the door once they turn fifty. I had planned on retiring at 62, then I got cancer (along with other underlying health issues) at 50. I am still managing though. You are right about the quality of life thing WT. I always laugh when I see those investment commercials were the handsome , graying couple are sailing around the world or buying a vineyard in California. Hey, more power to them. My tastes are a lot simpler.