I'm up late, as well. But in 3 months, I will switch back to day shift for 6 glorious months!!
Spoke with the wife today... we contemplated retirement in the Philippines. I'm unsure.
If we do... I can retire for good in December. But if we make the move, it will be financially difficult to come back if I decide I don't want to stay.
Safe bet is to get to 53, cash out my sick bank at 100%... then adjourn to Florida. It's nice to know that I have options, though. She says 30k for the lot and 100k for a very, very nice house with central air.
I'm tempted.