Just a tidbit of data from when I retired the 1st time in 2000. The retirement system then showed the average payout term was 61 payments before death. That my friends is saying the average person when they pull the plug is DEAD in 5 years. I'm working at setting a new long term standard and pulled my 2nd retirement plug in 2013. I see too many people unhappy at their job or career but they don't know what else to do so they keep doing what they don't like. I'm one of those that like what I did, and also like the freedom of being retired. When I went into my second career I told my boss if I have three bad days in a row doing this my letter of resignation will be on your desk the 4th day.