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john/z28jd I'm not really near retirement age but recently I've thought about what you're saying and I figured I would retire sort of but work part time doing something I really like. I live close to a minor league baseball stadium and assuming I dont move I figured I would go for an usher job....work 72 days a year but basically I'd be getting paid to watch baseball,and at a place I'd probably be often if I was fully retired anyway. You might want to look into something part-time like that and use that money towards card expenses. My step-mother plans on retiring soon but she loves doing dog-grooming so when she does retire from her teaching job she will do the dog-grooming part-time and she will getting paid to do something she really likes.