I'm green with envy. I'm 37, self employed as a consultant in IT and dying to retire. The reality is I'm a long way off from that goal. My work is good, probably the best career I could have chosen, but I'd rather have time with family, the days to "play" in my (future) shop and travel. Like a lot of people, the market has taken a big bite from my retirement fund, but thankfully I put most of my energy into being mortgage free. That consoles me the odd time I get brave enough to check my investments and keeps freedom 55 on the radar.