gotcha, right on! but you'll still need to consider what you'll do with yourself. we have close friends who are very well off. he's been a benefits consultant for Fidelity for 30? years & invested well. they're under 60, she's already retired & he's planning same this year. they say they will "travel". I have a HS friend I've been following for a few years on FB. she & hubby traveled the world. then got a mobile home & traveled the US. now they mostly visit their grandchildren. but lately seem to be traveling the US again. they've got around 30 years to go. wish them luck. I was between jobs for 7 mos. about 10 yrs ago & took up fishing while I looked for another job. got into all sorts, spin casting remote ponds/lakes, fly fishing rivers, surf casting & salt water boat fishing. but after 7 mos. I was glad to get emploiyed again