If you wait until you can afford it, it won't ever happen.
I retired 30 Sep and will stay that way until the Lord calls me home. It's like decaf coffee. Imagine your doctor tells you to drink nothing but decaf. So for five years, you do not fudge. Decaf after decaf after decaf. Then one day you go to a friend's house who does not know your decaf fate. He slips in a cup of the 100% real thang!!!!!! Man~ you don't have to get used to it. It's just GREAT STUFF!!!
Well, I didn't have to get USED to retirement...getting up when I want; going to bed when I want. Going fishing when I want (I stayed on the lake yesterday and witnessed a flaming crimson sunrise from the git-go and the moodiest of Arkansas sunsets at day's end. In between I watched a majestic bald eagle catch more fish than myself. For good measure, I fished until 2 1/2 hours after dark, just trolling along on the 21' Sweetwater pontoon--on a MONDAY...when no one else was on the lake, beautiful Lake Ouachita (Wa she taw) was all mine for 13 hours.
Yup, did I say that I likes retirement????? You better believe it buddy. With a new fishin' rig, the grand kids, good health, a bottle of Aleve and the good Lord's blessings, there is no other way for ole' AJ. Don't wait too long...some say that life is like a roll of toilet paper...the closer to the end you get, the faster it goes! Don't flame out before you get the chance to really enjoy your life. <><
Blessin's to you and yours,
aj