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At the moment I rent two bedrooms in a house in Tarija, Bolivia, for USD160 per month. Gas, water, electricity included. During the last twelve months I have lived in the Cayman Islands, France, and Bolivia. Renting and moving around a lot gives flexibility and forces you to reduce your material goods. What does 'retire' mean? According to Webster it means 'to withdraw from one's position or occupation : conclude one's working or professional career.' Well, if that is the case I am half retired. I have withdrawn, but I have not concluded. Neither do I think you have. I think 'owner of your time', 'ooyt' for short, is a more interesting word than 'retired'. If you do what you like, professionally and privately, you are ooyt. If you work in a bank and hate it, or play tennis with your neighbour and hate it, you are not ooyt.