Do you have a pension?

[HeartachesNhangovers]

34. I'm 55 and retired at 54 with ...

a tiny pension ($202 / month) from a utility company I worked at as my first "real" job, plus a more substantial pension I have from working at a regional (not city, not county, not state) government agency in CA for 27 years; plus I qualify for SS in the future, although the benefit will be low because I didn't contribute to SS after I left the utility job. My wife is "retired" which just means she stopped working when I retired. She also qualifies for SS, but can't get it for 14 years at the earliest, although she probably won't start collecting for 20 years.

Altogether, the pensions provide about the US median household income - $60,000 / year. On top of that, the agency retirement pays about $1,700 / month for health coverage (medical, dental, vision). Obviously, this a great deal.