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She still has a few years before she is fully vested in her pension. I think that is the main thing that is holding her back.

Yeah. Sometimes it’s better to give up a few % and get back to enjoying life. The BS games and Stress can take a toll on your Health. You can easily make back 50 % with a few Bitcoin Blogs and a YouTube Channel these days. Especially with Ai

It's definitely not off the table!

I retired 3 years early. Was worth it. Life is so much better without the Work BS and Winter Commutes .

Sounds glorious!