I’m retired now, but it took me a long time to realize that retirement wasn’t a goal so much as a shift in the way that I was living. I chased the money for years, working in a stressful job and raising four kids at the same time. It was a wonder that we were able to do everything that we did in a day. When I look back, I can see that I was operating at a level where I was living entirely in the past or the future. There was no time for being in the present. That’s sad really, because the present is the only thing we have.

So, in deciding whether to retire early, the biggest question, the ultimate question, was: Do I want Time…. or Money ?