Yeah, I don't really hate my work or location - we do travel quite a bit since we have the exact same schedule, and a teacher one at that. I hope that when I get to the point I COULD retire (7 years), that I won't mind hanging around for 3 more years. Kid, parent, testing, admin demands are tough. Seems like when HAVING to work is no longer necessary, people are sometimes happier to do the same work. Our financial picture is pretty rosy, FI is actually here, but seems silly to give up guaranteed pensions at this point, especially with children in school and liking our jobs (most of the time, ha). And yes, Jmoody10, that is kind of the reason for the question - what am I saving it for? Seems like most MMM followers have given up substantial money for time.