A friend of mine retired "early" today (she's 55). She told me she has $7,000 in her 401k (no other savings). Aaaaaahhhhhhh! Her brother has paid for everything for her (housing, car, and big stuff like that) since she got divorced many years ago. She plans on getting an easy job now for spending money but I just can't understand how this is possible. And I think I would feel really horrible taking such a massive amount of money from a family member's own financial security. Sometimes, though, you have to keep your mouth shut with your friends.