Never had a plan , married the right girl, had two great kids, dont need or have ever wanted much else, seem to have done well & have everything i need & a bit left to spend on a rather silly hobby , but my family always came first & my big chance 20 odd years ago to earn mega money was turned down cos the people who i care about were not keen to uproot. Have not regretted it still wake up with the women i love each day & that with our health & that of the kids is all you need. My advice is retire as soon as you can cos working is a waste of the time you have left.