Pat,

Good luck on your retirement. My wife will be retiring at the end of the year. I would call it an early retirement as I will be 55 and she a little less. We are fortunate to have worked for an excellent company for 30+ years apiece and have the means to check out early. Having not reached that goal line quite yet, I cannot answer your questions but I am very excited and confident about our retirement years. Our decision is mostly driven by "life is short". We share many of the same interests and will be sure to fill our time.
AND I have already reserved at least 2 hours of time in the studio to practice, record, etc!!


Todd