Regarding the money issue...
I retired in 2014 at age 60.
I was mostly worried about over-spending my savings and wishing I had worked longer.
To avoid bad spending trends, I made a journal of my assets each month....cash, stocks, bank and EJ holdings. (no real estate included)
Each month for the first couple years the total stayed almost level. In the last few years, it has increased each year without working or any income. (10% higher now)
I spend money freely and do what I want every day.
At age 71, I am more concerned about spending it down and not leaving a mil in the bank.
