I have a 54-year-old reader contacting me about his situation. Let’s call him J. J’s original plan was to work for four more years or wait till 65 years old to consider retirement. But recently, he realized that there is a potentially re-organization plan in his company. By his own admittance, he tends to be more paranoid about certain things, and while there are no official announcements, he feels anxious about his own situation. J does not see himself stopping work, but getting a job might be harder if he eventually gets the cut. He wonders if he doesn’t get a job, would he still be able to meet his commitments? Can he retire at 55 years old? Financial Security is Preciously Sought for but Difficult to Describe. I feel like many people are similar to J in that they do not wish to stop working but they have enough insecurity about their work situation that they seek out financial independence....