CONGRATULATIONS! I was able to take "early retirement" in 2002, and have not regretted it for a single minute! (The Governor, George Ryan, may now be in federal prison, but he did two very good things while still in office. One was to decide not to run for a second term, but the one close to my heart is his signing an early retirement bill for State employees!) It was a serious financial cut, but the house and car are paid for and in very good shape, and I manage by just being careful. I have never understood people who suffer after retirement, claiming there is nothing to do, and want to give them a good shake and say GET A LIFE! I stay home to entertain the cat and the dog, knit, crochet, tat, and quilt, take care of the yard, bake bread and cook for the freezer, read, go out with friends, and travel a bit. Wonderful!