A friend of mine, who was always harping the virtues of retiring young as you can recently passed. He was a guy who decided very young that life expectancy in his family wasn't the longest based on following his Family Tree. So he set out and planned to be retired by 45! AND he DID! He lived to be almost 64! Almost a solid 19 years of retirement in before the lights went out. Led a cool fun life! Since there are No guarantee's on Life Expectancy and all the other things that get in the way of living, he planned his life to be lived! It's all about choices! Choose wisely my friend's!