My father-in-law, Frank Noble from Porepunkah, Australia, was 55 years old when he retired. Frank, now 87, said that given his time again, he would still choose to retire young. Over the past few decades, he's found pleasure in gardening, golfing, and going to the gym. He's told me he has no regrets about stopping work early. (In Australia, the average retirement age is closer to 65.) However, his early retirement , though successful, made me realize I don't want to travel the same road. As I