Never, never, never good to get divorced and lose half your shit late in life. As an old guy working longer than I envisioned post-full Social Security retirement age, my goals are to continue to not have a single dime in credit card or auto loan debt, keep pumping at less 50 K in my solo 401(k), every year (separate from savings and investments) and to keep reminding myself there is no reason to pay off my small mortgage when the interest rate begins with a “2”.
One small benefit at keeping working is that Social Security takes your 30 best earnings years every year and re-calculates the figures. it ain’t much, but I’m making about $600 a month more than I would have had I retired at 66. I have the perfect old guy job right now, making six figures but not having any real responsibility - which means I don’t have any stress or anything I can fuck up. I’m trying to make myself as invaluable as possible, because my goal next year is to either retire or preferably tell my employer I will work Tuesday Wednesday Thursday and have a four days weekend every week, in return for 60% of my current compensation. That arrangement would keep me busy and my mind still intellectually stimulated, while allowing me four days a week to woo the wommins du jure on mini Vacays.
And I like the idea of continuing to add to my assets before I have to dig into them to live. Plus, I want to have a bigger estate to leave to my two sons. They are gonna have to live in this shit show world after I pass, and I don’t think it’s gonna be as enjoyable as my 30s and 40s were for them.