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I don't think you mentioned whether or not you were married. If you are, be sure to model the circumstances where each of you die and the other is left because the picture can look quite different than as a married couple. Also, be sure you both fully understand your finances.

I retired in 2004 but consulted part-time and continue to enjoy doing it. My husband died about 18 months ago and was unhappy only when he had to stop working so I have no story about how wonderful life is after retirement. For me, the key was having a choice and work looked much different after that.
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