I'm a retired air traffic controller, presently doing contractor work teaching ATC students. Retirement allowed me to transfer my TSP and wife's 403b to an IRA and become a self-directed investor. Based on our (wife: retired teacher) retirement financial needs/desires and stage of life, the 4% withdrawal rule with its "% chance of lasting us" crapshoot didn't seem comforting. Studying alternatives led me to SA and becoming a dividend growth investor. I began building a DG portfolio in early 2013 and look forward to my continuing education.