I think our mantra since retiring has been 'because we can'. It could be about going on an unexpected weekend away, staying up reading late into the night or still putting one more piece in a jigsaw at one in the morning, baking cookies for when the grandchildren come straight from school, today's pub meal when we bumped into friends, turning over in bed or reading before getting up. Window shopping on a Monday when it's really quiet, taking on some voluntary work, trawling through Gransnet while eating breakfast in my dressing gown [new, pink and cuddly], being a fairweather gardener and never,never having to work to a timetable -doing things when it suits us 'because we can'. Being a bit more careful with the money is a very small price to pay. Go for it Tanglerose and create your own retirement. It's what you make of it. Read all the wise words from the gransnetters. We can't all be wrong. Enjoy your life! 