<<thread hijack on>>
Good for you, Bird. I think abrupt change is what kills people, especially if they have no plans for what they're going to do once they throw in the towel. I ran into the top dog at the place where I work one day at a hamburger stand and we had a pleasant talk. I made the suggestion that if they want to keep the highly experienced people, they should let them taper down, so to speak. Let them start working four day weeks, then three, etc., instead of zero which is the only alternative to the full-time grind. They would probably get just as much work out of them while only having to pay 80%, 60%, etc. of their salary and I think a lot of people would stick around a lot longer. I probably would.
But as it is, I'm doing a lot of retirement number crunching right now. It is a certainty that I will not work past 62 but that is a ways off. As it is, with the reduced retirement I could draw right now, it takes ten years of drawing the slightly higher age-62 retirement to equal the same total amount that would have been drawn by retiring now.
However, there is a little in me that is like so many people I know--they(we) want to retire, live the lifestyle we have right now, and not have our net worth go down. For me, that is unrealistic. I will never have the lifestyle in retirement that I have right now because I'm living too fat now. But that notion means you are trading years of your life in order to leave a bigger inheritance squabble among descendants when you finally punch out.
<<thread hijack off. Sorry.>>