Although I am far from retiring, Ann, a goal that moves further in the future with each passing year, I feel a sense of the same freedom you experience. I no longer worry about clients who may retire and take a chunk of income from me. I don't worry about new clients and haven't polished my resume in years. To a certain degree I set my own hours. I am still tied to work but the tethers have more give than they used. But I must admit that I'm a bit envious of your situation but pleased that you have a life of contentment.