(2014) was my retirement goal, took an early out in 09 Retired postal worker (former air controller and degreed accountant). Pension covers about 40% of expenses, remaining expenses from dividends in a taxable account until age 59 1/2. Now (age 61) pulling additional needs from IRA. Attempt to double divvy yield by selling covered calls. Sometimes get burned by having to sell. Sometimes sell puts after a divvy champion has fallen in price. Neophyte compared to most in "dividends and income".