I may be "fully retired"......................

That's why I don't plan to work one day past the day I have my 30 years in to our retirement system.
I will be 58 at that time.

However, much as Id like to, I can't retire early because the system dings you 5% per year for every year you are under 62.
That means if I retired today with 25 years in, I'd lose 9 years instead of 5.
If they paid me for 25 years, I'd lose $400 a month, and I'd probably do it.
By jacking me 9 years, Id lose over $1300 per month.