I'm 66 and don't work full-time anymore. I consider myself 'fluidly retired.'

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When I was a young professional, I never planned to retire. My career as a health education specialist fulfilled me in a way that being a wife and mother could not. In my early 50s, though, that 5 a.m. alarm became more and more intrusive, and I accepted that someday I'd want to call it quits. Maybe at 66 years and 8 months, when I would reach full retirement age as defined by social security. Or maybe I'd push it to 70.