Nicely said, xjtguy...

It would be nice to retire at 60 (or earlier) but for a lot of pilots that is not to be...that is the (new) reality. At the very least, this gives some the option to keep working.

I'm hoping to get out at 60 (not likely) if the numbers work out (read, Wall Street has to cooperate!!).

Yes, I'd like to rest after my hard work is done, and enjoy life...but if I have a choice of working hard for a few years, I will. I'm not afraid of work...are you?