Even if you don't have kids, there is health care, which can be one of the biggest challenges for early retirement.Also keep in mind that the bloggers who retired early make more money now telling their story, then they made while they were working.

Funny enough, she is an attorney and I am a financial consultant for health insurance co’s.

@Au Jia If you have the knowledge already it is more of a mental hurdle than anything.

. – A North Carolina man has been charged with abandoning a pet fish that authorities say he left behind without food when he was evicted.News outlets report that that New Hanover County Sheriff's Office arrested 53-year-old Michael Hinson on Wednesday and charged him with one count of abandonment of an animal and three counts of misdemeanor cruelty to animals.Officials say Hinson was evicted from his Wilmington home last month and left behind an Oscar fish in poor health in a dirty tank.

Granted, the heavy mental stress of running the kitchen (kitchen employees are a strange, rare, exhausting breed) really wears me down... but I was ok this time last year and cranking forward. 

Gotta be careful, mold is a health hazard.

my 8-5 Provides me with health insurance and at 61 that’s important.the definition Of a lot of money would Come into play.Personally I like using other peoples money not mine

I put deductibles and cap-ex into the same mental category even though I don't split them into different bank accounts.   

Visit the neighborhood, get copies of any problems sited, from local town Health Dept for habitable condition of the apartments and Building Dept and Police Dept etc. too.The list is long when you are buying first time, then it becomes habit to be aware and you would just to it for next property.Good Luck !

@Lisa Kattenhorn yes, generally in this area of the country the laws are tenant friendly, but from what I understand Rhode Island is generally more balanced/fair than Massachusetts.Re: Worcester, I've only been there a few times over the last few years, mainly for Black Diamond REI group meetings (on April 16th they actually spent the entire night talking about Worcester).I mentally put it in the same camp as Woonsocket RI.