Mr. tony, planning for retirement 3 years before is unusual in my humble opinion.
Based on your statement, “I still live comfortably with a nice pension, S.S. And good health insurance “. You are fortunate and I bow to your good fortune.
My wife and I have been planning and investing for decades.
I agree with you, “buy all of your toys while your still working and pay off, mortgages, cars, etc”.
That is our goal and we are very close.
Thank you for your advice, buy toys now, I need a surface grinder soon. My wife would argue but, I will remind her, we need to acquire while I am working.
We have decided to stay here for a while. I plan on insulating the garage/shop soon. She can still park in the garage but that may need to change .