I was looking into my pension, and I can actually start drawing money from it when I'm 55- that's only 2 years away! But, it will be about 30% less (because the money is spread out over more time). My current plan is to start drawing it at 55. We refinanced our house earlier in the year, and decided to put some of the equity in our retirement account- so now that account is at $193,000. Even at an average of 9% ROI a year, it looks like we're pretty well set to retire at 65.