1. My nest eggs are starting to reach a comfortable level, or at least, I think so. I plan to consult a financial advisor in November, to help me confirm this. It is best, of course, to let the election pass, to see who will likely be in charge of things, and monitor the Euro-zone situation, but fortunately, my nest eggs are in low-risk categories. 2. Physically, I am not what I was 29 years ago, when I started. The last few years have seen some scary changes. I cannot see as well in low-light situations, and glare has a much worse effect, with recovery from a bright light in a dark environment being much slower. My reflexes are slower, which is most noticeable when trying to catch up to a speeding vehicle, but obviously would also be a factor during a fight. My bad knee is starting to get worse, and my right hand/wrist have two things wrong with them, with the resulting weakness making me wonder whether I have any business getting into physical situations. Thankfully, I am a natural lefty, but police work is best done with two strong hands. 3. Related to #2, it now hurts to qual with my P229 duty pistol. We are all-.40 now, with primary duty pistols. The chief can make exceptions, but asking for an orthopedic exception can result in an officer going before a medical review committee, to consider medical separation. A recent proposal to allow 9mm as an alternate duty pistol cartridge was set aside indefinitely. I can switch to a Glock or S&W M&P40, either of which should recoil a bit less, in spite of their lighter weight, due to the cushioning effect of polymer frames, and the Glock, at least, has a lower bore axis. 4. Folks at my seniority level are really starting to retire now, though quite a few of them started at an older age; I entered the academy at 22. 5. I hate the idea of being seen as a slacker, and I am my worst critic in that regard. Is 29-30 years, almost all street duty, enough? 6. A desk job is an option, but we are becoming an older agency, due to a big hiring push in the early 1980s. There are not nearly enough desk jobs for everyone, and many of them have been taken by officers who are very comfortable, and will not retire anytime soon. It is not unusual for desk-job officers to retire in their sixties; they sit and watch their DROP accounts grow into the million-plus level. (Not that I can blame them...) 7. Back to the bad knee; this is the one reason I am thinking about retirement. If I let a doc cut/scope my knee, and I cannot return to full duty within six months, I can expect to see that medical review committee, trying to convince them to give me another six months. Therefore, I need to be prepared to retire when I get my knee checked. Thanks for listening, er, reading, if any of y'all are still awake. I would appreciate any thoughts or advice. Thanks.