[l2ridehd]

I have never met anyone who on their death bed said "I wished I had worked longer"

I worked to long. I started when I was 12 and always had a job until I retired at 66. Part time through high school and college and full time except for military until I retired. I could have retired sooner and should have. I retired for a short time when I was 51 as I had 30 years with IBM and they were changing the retiree medical plan the next year and they had a buy out package so I took it. But very soon got bored and went back to work.

So my answer would always be retire as soon as you can financially. And you do not need as much money as you think you need. That was my biggest concern and it has been a non issue. And I know I could be just as happy spending a lot less than we do if we needed to. Live in a smaller home, a lower cost community, and do more things that cost less. Happiness isn't about what you have, it's about doing those things that make you happy. And I can find many free things that I enjoy and make me happy. I probably would have sailed less, fly less, golf less, eat out less, but I would have climbed more mountains, hiked more trails, cooked more, given more time vs money, and I would have enjoyed life just as much.

So again retire as soon as possible.