RE: Reflecting on retirement (or not)

Probably closer than you think! I turn 50 in May ;)

That's some sound advice. I've said it before, but health insurance scares me. Even when you have it they find a way to still bleed you dry. It's all those deductibles and out of pocket expenses that scare me the most. I planned on doing something (somewhere else) until at least 57 or 58 when my wife can also retire, but it feels like I might be better off just sticking it out here.

Plus, my wife and I would like to move eventually, so that throws the whole mortgage thing out of whack. I doubt our new place will be less than our current place even though we want to downsize.