Keep working and bank! If you are tired of what you do get a different simple or more rewarding job where someone else pays or helps pay your health insurance. You might live to be a hundred years old and not know what to do with yourself. When social security kicks in or just your government insurance let the big dog eat! My mom got sick and Medicare wasn't all it was cracked up to be. She spent some tall coin on medical but never did have to go back to work. It really just comes down to a roll of the dice. It's nice to be where your are now though! Good luck with whatever you decide and congratulations for sure!