My wife retires in February. She'll be 62 and we're in decent enough financial shape to do it, but it's mostly to be able to care for her parents . She's an only child and they're needing a lot more time and care these days. I'm doing the same with my Dad (he turns 98 next weekend

) but at least I have three other siblings who all split that responsibility.
I'd like to retire sooner, but I'm a little concerned about how things go over in the next few years, do things improve or not, so I'm waiting a couple of years rather than adding my retirement to our situation. Maybe that new bass will be my reward for being financially responsible.
Regarding buying used, I'm extremely patient. I haven't "needed" any of the basses I've bought, especially my Musicman's, so I was patient and waited until I found exactly what I wanted - and then bought them as soon as they popped up. You risk paying a little too much when you do that, but I was really lucky that all three were really good deals.