I'm only 61, so can't address your concerns, but I can offer my conundrums. 13 years ago, my oncologist said, "If you wake up in the morning, check the bottom of your foot for an expiration date. If you don't find one, *LIVE!*" In the last couple of years, I've been recapitulating my "I need" list against my "I want" list. Seems like I've ticked all the *I need* boxes. I've got my wife of 40 years, 3 great boys and 5 grandkids. I'm not rich, but based on our needs, the money will outlive Mrs Smoke and me. My day job, since 1983, is getting old. It's changing faster than I want to keep up, and best as I can tell, it's not for the better. It seems that my "I want" list is morphing into an "I need" list. The boat is nearing the dock, and I'm ready to jump. The unknown is always scary. If we weren't scared, it would mean we didn't care. (stolen from an Army mentor of mine) I've got a few little things that need attention, but there's a dot on my horizon, and I'm headed toward it. And it's got a calendar date. We'll both be fine! Jump!!