I retired 15 years ago at age 55 and have not regretted it one bit, I took less in money than if I had waited longer but I wanted to retire while I could enjoy it longer. Gene Barr **************************************Check out AOL's list of 2007's hottest products. (http://money.aol.com/special/hot-products-2007?NCID=aoltop00030000000001)