I'll say this Bob...... I'm glad I can see the finish line!
The way things have been going with COVID and the Riots..... I don't think I would want to be in my 20's again and starting over.
My dad unexpectedly passed away 4 years ago at 77. He didn't make 20 years of retirement but he enjoyed and lived a good life with the time he had.
After 35 years of hard work, I would like to get 20 - 25 years of a good.... and healthy retirement.... but as you well know.... it is a crap shoot and you can't control everything along the way.
That's why I want to get started sooner rather than later.... if we run out of money having fun, then so be it!