And congrats to you to Orion. I retired at age 61 and have never regretted it for one day. I had invested in as many IRAs and other things like IRAs in addition to getting a real retirement from the old VA system which is better than the new one by far. Did the same with my wife's retirement. Sacrifices of unneeded high end items during work days allowed us to pay off a house and contribute to IRAs, etc. Why buy a Mercedes when a Mazda or a Subaru gets you there and back for half the cost? Now if I could just convince her that the Mazda Miata has the highest safety and reliability ratings of any car made, retirement could be even more fun. I gave up the Honda VFR 800. Safety belts don't work well on those. But it sure got great gas mileage on my 90 mile roundtrip trek to work and back my last 8 years. I have a whole story on my triple driving violation ride one day that the trooper just gave me a warning ticket for. I think he was surprised when I told him I was definitely guilty of all three with a smile on my face. His closing comment as he gave me the break was, "Do you always drive that thing like that?" LOL!