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Just retire. Again a date.
There is never a good time to start a business, have a baby or retire...you just have to bite the bullet and do it. Work is a bad habit which you have to break its not easy but it must be done...life is finite and good health is not a given..get in for your share immediately ...time to be slightly selfish...I put off retiring but fortunately I had complete break down and was carried out..I lost most everything lived in a shed but finally it all came good...I wish you all the best of course and just want to see you get to where you want to be.
Alex
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