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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I retired early - at 40.  I am 60 now.  
-Kids were young so a lot of my time went in guiding them and their academic and EC life.
- I invested and played the stock market of two countries and it has done well. 
- I have invested time and energy in my family and relatives. I have cultivated a huge  circle. 
- We travel a lot.  DH and I have several hobbies that we spend time on. 
- Home improvements and yard improvements also take our time and we also entertain a lot. 
- Exercise, daily life, yoga, healthy eating etc.
- We don't have pets. We  have two adult kids who have launched well. We are empty nesters. DH is gearing for retirement but I encourage him to continue working because he enjoys his work a lot. [/quote]

Maybe this is semantics, but I don't consider it "retiring" when you had young kids, and your spouse still worked and continues to work 20 years later.  You just quit.

More charitably, you became a SAHM when your kids were young, but after that, you just didn't work.  Which is great, good for you . . . but it isn't retirement.    [/quote]

I had the same thought. Being a SAHM is not retirement..it's depending on the spouse to be a breadwinner.[/quote]

NP- for me it would be because I contributed to all the retirement funds, 529s, and have an extra property with rental income. So I still would feel like I'm winning bread. I would just rely on them for the health care coverage until Medicare kicks in. [/quote]

This is me, too.  I could stop contributing to my retirement fund today, and it would provide more than enough income starting at age 60, assuming 5% real returns.  Kids' 529 plans are in good shape - I'd like to put in another $50k for my youngest who talks about going to medical school.  I have $50k in net rental income per year from separate property.  I will someday inherit an unknown amount from my parents, enough that I won't have to worry about leaving a legacy for my kids, because it'll effectively come from their grandparents via a trust that is set up to give me an income and give them the remainder.  So why keep working?  I'm planning to be done by age 50, and that's just to give myself a bigger buffer.  Once I'm 50, I'm going to finish parenting and then once my youngest is off to college I'm going to travel a lot, like 50% of the year. [/quote]

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