Great advice all and I thank you so much. Its interesting too see and hear from so many who have retired around the age I hope too (54-56). I have 2 different retirement plans, savings, and a couple small investment's. My sticking point is the DW. She works in the dental field and basically has nothing other than a paycheck, though fortunately its a good one. So I'm kinda planning and saving for us both. Plus with 2 young daughters, I know I'll have some weddings, first homes, college,etc to help out with and pay for. I'm just gonna keep chugging on and hope and pray for the best. Hopefully someday with some vision, luck, desire, and blessings,it will become reality.
Thanks again to all of you for the kind words, advice, and mostly the encouragement!
God bless,
Scott