Thanks everybody; this for Betty; I used to work for the U.S. Forest Service as a Forest Technician. I have 29 years and 11 months of Federal Service. I wanted to wait a few more years to retire, but I could not effectively do the physical aspect of my job anymore. I used to be able to huff and puff cross country right up steep hills, but now, no matter how much I suck the air in, it is not enough. A buyout opportunity came my way, and so I took it. It will pay down my debts enough so I can make in on my retirement income. I intend to enjoy it. I feel good about it. I can still hike on trails.
Don M