Ted, I didn't plan to retire but after this mild heart attack, had a serious one 20 areas ago, (5 way by-pass), don't mean to make light of the recent one. I always told my clients that wanted to retire early to have hobbies or interest's or keep working. My experience has been retiree's that don't something to do, die after 5 or 6 years regardless of age at retirement. so the moral of this story is, stay busy or don't retire. Also plan on retirement assets to last as long as you last. possibly 30 years.