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I've been reading with great interest your messages about early retirement in general, intercst, and yours about Costa Rica, galeno.

I'm 43 and my husband is 41. We have four kids, the youngest of whom is 11. Having kids was our choice, and I know they have delayed our retirement -- and I would do it over again in a heartbeat. Thing is, we gotta get them through school, and to do that we gotta fatten our savings. We also need to stay in this area so that our #2 child can continue to attend the excellent public high school she's in now and so that #3 and #4 have a shot at it, too.

So what's my point? I don't have a question. I'm just posting informationally.

We want to retire at about 57 and 55. We'd love to live on several acres in the country, preferably in or near mountains and within a couple of hours of the city we now live near. We've taken one step by buying a vacation cabin near where we'd like to retire.

"You bought a vacation cabin! But that will set back your retirement by X years!" Maybe. But I've found since we bought it that it is more than worth its price in stress reduction. When we do retire, we will be much more relaxed than some who flee the rat race because the other rats are nipping at their heels.

We have some chronic health problems, so we do have to keep paying for health insurance -- unless my company will still give them to us for free, as it does now for retirees meeting certain criteria.

And lastly, I wouldn't want to live overseas. I've spent time in some other countries, both living there and on vacation, and I like living in the US better than anywhere else.

So we'll postpone our retirement until we can afford it, and it won't be early by the standards of many on this board -- but it will work for us, which is what counts, I think.

This board is great! Thanks, everybody, for your input!

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