I retired earlier than I wanted due to an injury at the job and they wouldn't let me do a desk job to recuperate. Had my time in so that was not a problem. Was hoping to have the house sold before though. It was a bad time for the housing market and took 3 years to sell. I was smart enough to buy most all my toys before I retired as I knew my pension would not be nearly as much as what I was used to getting. Now that I've moved from Florida to IA, my pension goes much farther, I have a larger house with a basement for my sewing, gardens out back for veggies and now on S.S. so hopefully by next year I'll be in the black from the move, buying a larger quilt system,etc. Having the time of my life though and keep busy doing what I love to do.