I think retirement is a pipe dream...

Best decision I ever made was to pay off all credit cards and just save up to buy on want items. That was in the early 90's. I cannot calculate how much that along with paying off loans early using that saved interest has tallied over the years. Had the occasional big-ticket items like car and lodging. Kept to only 1 car note at a time paid off early and driven until costs started to go up.

I can honestly afford it now, but it seems silly to not to continue for a bit. Nothing too fancy, but that isn't what I want anyway. I plan a nice house near some water with a good yard/playground for the grand kids and family vacations come summer break.

Looking forward to it.