I was medically forced to retire. I’d been turning wrenches in public transit for 38 years. Couldn’t pass a CDL physicle. I’d been adding to a 457 account with the company match. I’d been working OT as much as i could get. Most got cut off in ‘08. I invented a way for OT with my job skills being A/C repair and maintenance, welding and machine work, propulsion and breaking specialist. I wrote out what my calling were and showed the need for overtime when no one else was qualified nor trained. In ‘15 I started to show symptoms of liver failure. The state was in uproar over compensation at that time, as our pensions were tied in with management, I pulled the pin and retired by cashing out. Being younger than 65 I applied for SS and Medicare. I also started a robust AARP supplement plan. This helped in so many ways for a transplanted liver. My second wife had a dream of New York style deli sandwich shop. Utah has predilection for for burgers, we adapted. I work doing deliveries in my hobby VW microbus. This is for 3 days a week and helps biz and my hobby. This is added income that has paid back in my investment. I’m thinking I’ve been damn lucky. As I didn’t plan this. The 457 helped immensely. I’m frugal in my spending buying used where I can. New where I need to. My hobbies arn’t all consuming being it’s more fun in the hunt and learning new skills. The liver made me refocus my needs in life.