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[quote=Anonymous]My mom "retired" at 43 after working for 20 years (I was out of college by then) - then went on to work at odd jobs/seasonal work until 55 and then stopped entirely.  She has insurance through Medicare now (she's over 65), a small annuity from her deceased husband, and long-term-care insurance.  She lives with another man that she's known for many, many years in a little house with few expenses.  At one point years ago I grew concerned, like you, mostly because she seemed to be stressing about finances (due to her current husband who is a bit of a spender).  I sat down with her and went over ALL of her finances - how much she has in savings, annuity, her mortgage etc.  That made both of us feel much better, and perhaps might help you, too.  She doesn't have a big life (no extravagant vacations, gifts, and I don't expect to get any inheritance), but she enjoys the life she has.  Further, if she had worked, she would have been unhappy, depressed, and anxiety-ridden due to a combination of factors.  She's much better off.  She is within driving distance and comes to watch the kids when we need her to do so - she is actively involved in our lives, and she is happy and relatively healthy (more than most almost 70-yr-old grandmas).  I, too, plan on retiring "early" at 59 1/2 - I will have fed insurance, etc. and my husband will still work (he tolerates work stress better than I do).  Life is too short to be driven crazy by work.  Retire, live happily, enjoy the family, and enjoy the world while you can.[/quote]

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