[John Rogers]

I retired at age 64 and while I did the same math work up as you did, decided I wanted to be able to just teach some evening college computer classes with a lot less stress than my "day" job as an Oracle DBA. About a week into the new year, we had a bad storm roll into San Diego and I was laying in bed, drinking my morning cup of coffee and reading the paper WATCHING the traffic nightmare and the thought occurred to me that retiring was the best decision I had made in many years! I think it is not all about the $$$?

I hope you have checked to make sure the union retirement does not have any effect of your SS payment? My racing buddy found he was not eligible for SS because of the employee union setup they had. Not sure exactly what it is but he lost on the SS.

Finally, if you do any work before you get to age 65 then make sure to watch how much you make as there is a sliding limit.