Planning!?! We don't need no stinking planning.
Got offered a chunk of cash to go early at 58, with 40 years of service. That lump, combined with my pension, carried me right up to early Social Security. So far, so good, and I'm not debt-free. My lifestyle isn't fancy, however, and I live where electricity is cheap. Don't travel either.
When the offer was made, I told my wife, "I don't know if we can afford it, but we're going to find out!"
