Frank, Know how you feel. I opted for early retirement because the (time limited) offer was so good. I went, not because I wanted to but because it was in my best interests. I have already drawn my pension for more years than I worked for the company and plan to survive for many, many years more.
I remember when DF retired and belonged to his employers pensioners association. He used to give an elderly lady a lift to events. She was nearly 100 and lived several years more. She had been retired at 40 on health grounds.
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