Please let me say that you are too young to retire! And I say that without knowing anything about your lifestyle, your financial responsibilities, or your health. But if you are "average" you will live another 30 years. And if we have inflation of only 3 percent, the value of that monthly pension -- the spending power -- will be cut in half in 25 years! I strongly urge you to consult a Certified Financial Planner who only charges a fee for advice. Search at www.NAPFA.org. You need to discuss this issue fully. And as a start, go to www.choosetosave.org and fill out their "Ballpark Estimate" retirement calculator. It will ask all the important questions, and then tell you how likely you are to maintain your lifestyle in retirement at any age.