January 31, 2008 was my last day of work. I retired at 55 and 3 months. Haven't look back and have no regrets. Life is good. We were savers our entire life and now we are spenders. Medicare starts in November and will be a 50% savings over what I'm paying now. Woo hoo, more money for Vegas. This is a little preaching...save while you are young and watch it build over time. If you save, you don't have to work until you have one foot in the grave, unless you want to, but then it is your decision.