[runnermi]

My dad was a great example in saving. He had 26 great years in retirement. Fortunately, it rubbed off on me. I was smart enough to start saving for my retirement when I was 26. It hurt to do it at the time because I wasn't making very much but man, oh man, am I ever glad I did. And I am still socking it away for my "golden years".

I have a girlfriend who retired way before she should. She didn't trust the stock market and would work, then not work for up to 9 months or more at a crack. She 9 years older than I am and now trying to live on Social Security only. It isn't pretty. So, pay me now or pay me later.

I would rather have the money and not need it, than need the money and not have it. I will take my changes with saving. It is life long habit that I am sure I will continue in retirement.

I am not yet retired but the good lord willing and the creek don't rise, I hope to be out of the work force and living my dream in the Villages in 8 to 11 years max. I will come sooner if I can. My job allows me to work from any location. My hold up is an elderly mother who currently needs my help and I will not relocate for my own selfish reasons.

I am coming down, it is just a matter of when.