Since you are not working for the money, prioritize your time.  

     Are there things you want to do while you are still able?  For me, 
traveling was one of the biggies.  For others, it might be spending time with 
the grandkids before they become teenagers.  Some enjoy volunteering

     Are there time consuming hobbies you have always wanted to enjoy but 
couldn't fit in around a daily work schedule?  Are there old friends and family 
you have not had enough time to see as often as you want?

By the way, retirement need not be 100%.  But when you do, make sure you have a 
plan to at least partially fill the new 8-10 hour void in your day.

> -----Original Message-----
> From: IBM Mainframe Discussion List [mailto:IBM-MAIN@LISTSERV.UA.EDU] On
> Behalf Of scott Ford
> Sent: Saturday, August 19, 2017 6:12 AM
> To: IBM-MAIN@LISTSERV.UA.EDU
> Subject: OT-retirement
> 
> How does a techie of 40 yrs know when it's time to retire? Bearing in mind
> I understand you have to have enough money, for me that's a given....
> 
> A friend is asking a lot of friends ..

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