I just re read my post and realize how many different ways posts come across. I wrote it a bit in jest but it truly is a wonderful situation. I also realize that work is a neccessary in order to be able to build capital and enjoy life. For those still working, the smart phones are probably a terrific invention but I do wonder sometimes if they ever turn them off. Thinking of their relationship with their spouse/partner here. This will be our tenth winter in Baja and since I turned 60 as well, the CPP monthly deposit of $98 will be welcomed. No, you can't always calculate retirement using the maximums.