[Larry the Gun Guy]

A GIANT consideration in all of this retirement talk is high cost of health insurance. If you're not able to access the social security system insurance it's a huge consideration. Working for a NYSE corporation over the last 35 years of my career I've been spoiled with, what my doctors called, a Cadillac health plan. If you have to go into the market and purchase a reasonable health plan the cost is very high. That's the one glitch in telling everybody to go pound sand. Make sure you know what you're getting into there. Not sure how Murphy filled that gap for 12 years. We may be healthy, but often times our spouses are not.