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A couple years before I retired, an older fellow worker retired, then came back as a contractor, doing essentially the same job. That seemed unusual, so I asked him about the new deal. He was working maybe a day or two less a week, so his weekends were longer, but he liked what he was doing and the new arrangement let him taper off a bit. But he said the real difference for him was less overhead, in that he no longer had to attend safety meetings, training classes, and other BS time wasters that seemed to occupy more and more of our time as the years marched on. I asked one day how he knew it was time to retire, and he just said "you'll know after you have three bad days in a row". And when a project I was working on neared the end, and the new assignment wasn't something I was interested in, and changes were announced decreasing benefits in the retirement plan, and another salary freeze loomed, it was my time. So if you're still working, things will eventually come to pass that will let you know when it's your time, too.
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