A little over a year ago, I semi retired. In other words, I opted for early ss and I retired from my church job and my college job. With my church job I had a 403 b which is the same as a 401 k except for a non profit. I had a pretty decent sum in it so I rolled it over into an annuity which will pay me a nice income for several years to come. I was also lucky enough to marry a great woman who has worked as a teacher for many years and so all of my benefits have been covered. I probably wouldn't have been able to have the life I've had without her. And we own several pieces of property, some of which we rent out. The total package looks pretty good. So now I am playing gigs, and only the ones I want to play. We travel a lot. This year we've been to Grand Cayman, the Canadian Maritime Provinces, and I leave for Sedona, AZ on Sunday. Live is good.

Joe