Thank you everyone for your wonderful advice. Now I have another dilemma and I think this is probably not the forum to use, but since I am on it, I will. All my life I have saved using the 401 at work. (And this was working at a paper mill). After retiring, I transferred the money into Wells Fargo. This is what they are saying: I will be paying too many taxes to draw from my account. I absolutely do not want to go in debt for a new truck and an Oliver when I have the money in Wells Fargo. I also do not want to sell the house unless I am sure that I want to go full time. I am toying with just throwing caution to the wind and do it, but also am a little scared. Has anyone been in this same boat? What did you do? Thanks again.