Charlie, when you get that book finished you be sure to announce it here in the Lounge, because I'll be one of those in the long line looking to purchase a copy. I have always enjoyed your stories and feel that you'll be a "natural" at writing.
As for your retirement, make sure to enjoy in and stay active, we all want to see you posting for a long time to come. As for that boat, been there done that and can tell you that you didn't miss out on much except for an exceptionally deep hole to flush your money into.