I'm 4 years past retirement, so I already have made the switch. More than the retirement effect, the getting the house of stereo built and properly acoustically treated, followed by multiple equipment upgrades to best take full advantage of the listening room potential has kept me so busy along with all the other homeowner's chores that retirement has not quite sunk in yet. And I"m not sure it ever will even so the audio journey has reached its goal. Definitely able to purely dive into music anymore and no longer having to analyze sound. That right there is worth all the effort I have put in my endeavor.
It's too bad that I can no longer update my system on this site since I must have reached maximum input. No more "edit" showing lol. I am too lazy to start a new one plus since I got where I want to be, it somehow doesn't seem as important anymore. Thanks to all those who have helped me get there.
Good discussion, nice way to end this special memorial weekend.