That was such an epic move on your part to buy those credits. I've never heard of that before. I left the workforce at 46 and don't regret "early retirement" one bit. I would say, it would be a good idea to have a side-gig lined up that you really enjoy—even if it's part-time. The one thing that surprised me was how lonely it can get at times without the office interactions so I've had to build socialization into my daily routine.

I officially become a pensioner next year. The company I worked for allows us to begin receiving it at 55. The payment will be lower than it would be if I started it later but it's more valuable to me to draw it for a longer period of time vs. a shorter amount of time with higher payments. A good portion of it will probably just go into BTC anyway.