Right there with you. I still enjoy work. Never thought I would still be working, but my daughter moved to Australia and we need more money in our savings to visit her as often as we would like! We have a good retirement plan and know our montly income, but there are not a lot of extras. But I agree, I don't think it's good to just abruptly retire. It's better to plan a bit and retire "to" something. Best of luck! I am not making definite plans, I will just see how I feel when I hit the "full" SS age...and go from there.