If you value freedom, you retire when you can. Inevitably, retirement follows some years of work. You have proven your commitment. You don't need to prove it to your death. Nobody has ever said on their death bed, 'I sure wish I had worked more".... Retire as soon as you can. IF they retire at 60, they will have necessarily wasted a decade of their lives in the pursuit of money. For what? Ego? Self-validation? Take the time to enjoy our only shot at living. Embrace it. Don't get caught in the potentially terminal rat-race. And HELP your kids doesn't mean make the financially dependant on you. These guys are in fantastic shape to get out and enjoy life. Run with it