I used to think the same, and failed to retire before.. but it all depends on the circumstances. You definitely can stop punting. You need three things to punt, the desire, the funds and the opportunity. If one of those fails you're out.
I have to admit i'm slowly and slowly losing this one...
Oh my idea of decadence is putting Oreos on pizza When I was early twenties I used to pipe dream of wife, kids one day but life kicked it out of me
