Hey HD, you are never too young to retire. Look at Chatt...I think he just turned 35 and he retired...he looks older so that's why they let him out to pasture. All you need is a sideline to generate some fishing funds like taking people fishing and charging them for it. If you have a wife, let her work. I am only semi-retarded but the work comes after the fishing (most of the time). The key is not to tell folks you retired cause they will be calling on you for help from everything from roofing to baby sitting.