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for LeRoy:

I retired in 1993 at age 53, after 33 years in the work force. Since you asked, here are a few things I have learned since then:

Retirement is wonderful. I don't know how I found time to work when my personal affairs take so much time. Work, full time or part time, paid or not paid, has no further appeal to me. My physical, mental and financial health have all benefitted from my retirement. My big project right now is moving to an active adult retirement community in the next state.

I and my friends from work days have drifted apart. Sad, but seemingly inevitable.

Memories of good and bad things that happened over the years at work come back unbidden; I think it would be unhealthy either to forget them totally or to dwell on them. That's all passed now. For thirty years, I worked on projects that I still think were important and sometimes successful. Realistically, even my best contributions were not evidently crucial to that success, and many of those efforts were simply wasted by ignorant management or in unsuccessful competitive efforts.

Back in 1993, I need not have worried about making adequate financial preparations for retirement. I thought they were adequate and I was right. Retiring into a great bull market helped out, of course. Still, if the market dropped 50% overnight, right now, my standard of living would drop back only to what it was my last year of working.

I wish you a joyful retirement,

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