TOYS:
I figure the living can be easily done on 35 -50 K a year. The house is paid off.
Nobody on this site ever seems to talk about toys - 4 wheelers, motorcycles, trucks, snowmobiles, boats, etc.
Do a lot of people get their toys after retirement or is this something you should get while you are still working? While working, there is no time for toys. After working in retirement, you can get used toys and repair them. Maybe I haven't looked this site over enough, but how about toys?