Adrian,
Since you asked, we both retired. The reasons were we both have or have had conditions which, if not caught could have prevented us getting to retirement. We have over the last year or so lost quite a few friends to, among other things, Cancer, some a lot younger than me. So, we were on vacation in Portugal, looking around, saw a house in a lovely area in Central Portugal and decided, spur of the moment sort of thing, to buy the house, go home and sell everything, get our D7 Visa (Passive Income), retire from our jobs and move.
We have a lovely house between Coimbra and Lousa, with all of the things we wanted and are just relaxing and enjoying ourselves.
You don't know how long you have, so why wait. Last week, a friend of ours was on a cruise and died of a heart attack while he slept. This just made us realize that what we have done was the right thing.
If you are ever in Central Portugal, hit me up, you have a place to stay.
Richard