I’d do it, but retiring early = doing my hobbies instead. Long days writing books, making art, volunteering, and pet sitting. Retiring would just mean working the jobs I want instead of the ones I have to.

Hate the early darkness because it marks the end of my garden and the beginning of muddy paws and shoes needing to be cleaned before entering the house, but otherwise winter is beautiful.

I really enjoyed this answer. I have definitely noticed a more positive spin on having children from my non American or well traveled friends, and this reminded me of their views.