You know what really stinks?? Being 71, having 4 years to go to make it to 10 years and being diagnosed with cancer. Going through chemo now. I’m out on medical leave until Jan 2023. Thankfully that time counts toward my retirement and I plan on making it to my 10 year celebration party. Enjoy what you have now because you never know what is in your future. Hopefully he can make it to 55. He is young. Is there a reason he can’t work until he is 55? Good luck.