What retirement means? Based on some of the comments I can't help but throwing this in. First those who are talented enough been able to make a living their entire lives with music God bless you. Wish I had the talent to have taken that route, but I'm also smart enough to know that would attempting to do so would have been like spitting into the wind. Although I have plenty of blessings being a great musician is not one of them. However, at 61 my age next year I'll be able to retire and do what I want without financial worries. It also doesn't mean sitting in the rocker and watching the Price is Right or TV reruns. Golf...... if it weren't for a bad back that goes out easily when I swing a golf club maybe I would?

It will however give the the chance to play more senior facilities mainly to have some fun and earn some dollars too since I'm not fond of refusing money. My current career as MIS manager of a greater Boston area law firm will also give me some opportunity to do some consulting. Nice thing I will be under no pressure to do anything but what I like and want to.

I also think that's what Joe Ayala was trying to say i.e. enjoy life and work less.