I am on a countdown to retirement. 30 years ago, when J was settling into his first teaching job, he committed to retirement savings, about 35 years ago I started putting aside a little here and there. He was better at it than I was, he had stronger employer matches than I did. I have an modest old fashioned pension that will start in 17 months. Yes, if I worked another 2-3-4-5 years we would have more at retirement, but we think there is enough - and no one lives forever. I want to stop working while people are saying, we hate to see you go, rather than them thinking, finally!