I had not seen my brother since his big retirement party two months ago. I called him to see if he was enjoying the slow pace of retirement. I was surprised to get his voice mail when I called. I left a message and he returned my call late in the day. I gave him a hard time, asking him if he was out fishing all day. He said that he was working as a consultant for another company. He had decided to take the Lump Sum Payouts option on his retirement funds, is buying a new house with cash, and will work as a consultant for a few more years.