Which is now.
I had hoped to retire at 62. The ACA put a stop to that. Insurance is in too much flux now. Even continuing working we have had downgrades to the insurance, but oh well.
Retirement. The one thing I didn't take seriously enough in deciding where I was going to work for my working career. It was always more important to me to work for small businesses. I liked being a visible cog in the wheel. But . . . no retirement program. The 401(k) has done nicely, but even that got screwed when we were purchased and the new owners did not honor the original share-plan. Oh well. Hind sight.
Sixty-three is a tired year. The mind, the brain are as busy as ever, but the body and energy don't seem to keep up.
Sixty-three is also a hopeful year.