Great post phillychuck! I'm 63 and for me the decision is easy as I'm really concerned about your #4. I lost about 3 of my prime earning years to the so called "great recession" and while I really enjoy he job i have had for the last 6 years it has come with a substantial pay-cut from my previous work. Of your factors we share 8. My commute is longer, over 4 hours a day, but only 4 days a week for me and about 3 hours are on a bus where I can sleep or entertain myself on the internet. About 45 minutes are walking so I do get some exercise Personally I would like to continue for another 10 years if possible as I enjoy it and I believe it keeps me from deteriorating. The challenge is mostly physical so I really try to go for long hikes on the weekends, do yoga once or twice a week when things are not hurting, and getting enough sleep. The sleep part is the hardest part and I'm sure would benefit the most from retirement.