I worried about money, turns out I need a lot less without "work related expenses." Enjoy each and every day. Joe
If you have a long commute the "work related expenses" can be considerable. On my final job I got what I called an "unfavorable reassignment." That gave me the mental kick in the pants to sit down with pencil and paper (hey, I'm a Luddite) to figure out whether I'd do better working or retiring. When the smoke cleared, I figured I would put in my pocket a whole additional $20 a month working over retiring. Did I feel like running the Baltimore Beltway for $20 a month? Not just NO, but HECK NO!
I've fortunately not had this problem, but I recall what a friend told me years ago about retirement: it should never be spent laying on the couch eating Cheetos and watching daytime TV! A formula for a short lifespan for sure.
When I was thinking of retiring my old cardiologist gave me similar advice, not so much for life span but to keep my mind sharp. So now I have 3 gun clubs I can and do go to in the middle of the week in the middle of the day. I've gone back to my old bar association for its activities and volunteer as Secretary of the town Planning Commission. You can be as busy as you want to be.
I retired on December 31, 2015 at 3:30 PM and at 3:30:01 PM I was fully acclimated to retirement. I have medical opinion that retirement may have saved my life.