Yes, that's what worries me, time when at work goes so slow, yet a friend who in my mind had just recently taken early retirement reminded me the other day that he'd been retired SIX YEARS. We've been conditioned whilst at work to use every minute to be productive not to waste time etc. Whilst you've got to have some goals to keep you active, once retired you don't dance to another tune (apart from the wife) I won't have to be pleasant or put up with people I don't like, or sign up to the latest company initiative. Money is not everything!