Go for it Lee - I can live with your decision - I spent my working life putting family first, had a ball with 'em - others in my bit of the water industry thought I was mad with this strategy however, my wife sadly died 2 weeks ago after a prolonged illness, because of my family first I have loads of happy memories!
Not looking for sympathy, just pointing out idiosyncracies life can throw up - cr*p retirement but a happy life up to that point!
salut
Tony