"My wife and I paid every year and always a few thousand extra. Since being retired, we now get a refund of a couple of thousand."
stereo5- that's great. I am looking forward to joining that seemingly elusive club. I've got 7 years to go until F.R.A., and I'm not waiting a day later! If things go better than planned, I'm out in 5.
I can then FINALLY, dedicate more time for proper audio neurosis.