Gosh I have been asking my Doc this for the past couple of years. She said to me just last week, its a personal preference...I am single...my personal preference is to be able to pay my rent and school loans...I GUESS LOL I guess you just have to figure out what a retirement would look like for you...do the math...let me know how it turns out...and remember if you do retire...chose something creative to do to fill your life with joy!!!

Thanks.