I hope the new job goes well. I've know several guys our age and a bit older that retired and at first they were concerned about the financial part of it but in watching them they seem to be fine. Also being self-employed is nice, I am. There are allot of risk but not as many as some have you believe. Being debt free puts you in a good spot for moving forward. Something I read, Colonel Sanders was 62 years old when he started selling friend chicken. He was just getting warmed up when many are thinking about sitting down.