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Heh. We have a few years and then some before we have that option...or so I pray. Our kids are still teens.

I am looking forward to some adventure travel. There is a lot of whitewater out there that needs experiencing. And looking forward to spending winters elsewhere. I am done with the cold. But we have a separate bucket set aside for travel, so that doesn't come out of our "retirement funds" anyway.

I like the separate bucket approach, particularly for travel and other discretionary expenses. If the bucket gets high we can play hard, and if it's been a less than stellar year, we kayak out the back yard and hike the local waterfalls. And to bring it back to the subject, my FA had nothing to do with it. Wouldn't mind finding someone who was a bit more well rounded than simply investing, but the returns are good and I can certainly do the rest, so motivation for change is low.

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