I had a near death experience when I was younger and nearly lost my father to a heart attack when I was 18. So i decided to retire when I was 23 after graduating from a small public college in southern Maryland and 2 years working in the sailing industry where I sailed throughout the caribbean and Australia. My golden years of 23-30 I spent bartending by night and surfing by day in the southern part of the outer Banks which I still believe is one of the best places to surf in the world. November thru December I would spend with family in Maryland and the winter and early spring months I traveled and surfed in central America, Vancouver, australia, and many other places. Turned 30, earned a masters and a CPAlicense, married my college sweetheart. Put in my time at a firm in Maryland for 5 years and leveraged it into a position at the beach in Wilmington, NC. I used to play a lot of golf during the day in inner city Baltimore (a whole other story) when only the retirees were out. One day I was paired with a nice guy who had been retired for about a year. He told me his friends who waited to retire until they could no longer do the things they enjoyed, for various reasons, were quickly passing. He retired early but kept a part time job to keep his mind sharp and finance the things he enjoyed doing. When i look ahead to my second retirement I envision a part-time job, maybe as the starter at the local muni, more time with family and in my garden, and a lot of days on my 10'6 mabile double eagle right here in NC. And maybe just a few more Hatteras barrels!