I'm not holding it against him. He has no one who depends upon him. He's in excellent shape, out does men twenty and thirty years his junior. He can easily make it work, it's one of the biggest reasons I'm upset about it. I understand the idea of losing that hard earned pension is nauseating and overwhelming. My husband and I will be facing it soon enough, we are trying to get out of our current home and pay cash for a smaller one, keep enough in the bank for taxes and other things, while working a garden and trading locally. There are things he could do but he is choosing not to. (He has more money than we do, we are on a single income three children) He hunts all the time, cleans and stores his kill, is handy in a way we younger generations fail. If anyone could do it, he could, but he's choosing not to. If things continue down this path the money will not even be there, either through failure of the system or inflation making it worth nothing. I feel very gloomy right now, I am sorry if I'm coming off so pessimistically. It feels like every time I see another person kowtowing it's another card in the already stacked deck against my family's odds. I would never have thought my own dad would give in. I hope that you and yours don't have to make this decision. I don't think any of us are going to get that option, to be quite frank, though. I think it's going to be all of us