In general agreement with most here, but I'm always a little wary of the "I'll just go back to work" reasoning. There are a million reasons why that may not be as easy as some make it sound (your skills have waned or become obsolete, medical issues, lack of stamina, high unemployment rate making the job market super competitive, etc, etc.), and sure, if all else fails, I suppose working at that gas station convenience store or as a Walmart greeter is an option -- but seriously, tell me if every time you see those people your immediate emotion isn't one of pity? I know mine is. When I see that 40+ dude handing out fast food burgers, my immediate thought is, "damn, how badly did this dude fuck up that he's working in a fast food joint at this point in his life?" Do you really want to be working a minimum wage job in your 60's because you turned your back on a good job/salary for a couple years of early retirement? Obviously, everyone's answer will differ, but mine is a resounding "HELL NO." To me, the point of saving so much during my working life is so I don't ever have to work again!