I have never posted here but have followed these boards for a long time. Also atypical here. I am 55, married with two young children, one of whom is disabled. I wish that I'd have been more frugal during my life, but I certainly had a lot of fun, and also a lot of challenges. However, we are now debt free and own our home in So. California outright (rare around here in the land of $600K homes). So that's a great and we have about $150K saved for retirement. I work for the feds but no matter how long I work will never have much of a retirement pension. In fact, could retire in a few months but would only get $350 a month, not enough to factor into any equation. My plan is to max out my tsp (4o1K for govt) this year and really get serious and badass about saving and cutting back. There was a time I thought I'd have to work til 70, now I am seriously going to try and retire in 4 years, when I turn 60). My husband wants to work until he's quite old, and due to the nature of his work, as long as his mind stays intact, he probably could, so that's a source of reliable income. I just wanted to say hi, that there are a lot of people out in the MMM world who are not in their 20's, but for whom early retirement means in their 50s or 60's rather than never! I was raised by very resourceful and frugal parents, so just need to return to my roots!