You have had lots of advice.

So, what are you going to do.

At age 49 hitting 50 I got 3 years to total retirement and bliss.

Im well behind. Everyone I know retired by age 39.

Meh,,,It takes some guys a bit longer to get to that old crummy rocking chair that creeks the right way when you rock on the front porch and sipping sun tea. Im getting there and am right on schedule. 3 years and all im doing is playing in my garden and mowing my lawn daily like that crazy 75 year old guy up the street everyone thinks is creepy and has nothing better to do. ha