I'm retirement eligible in June with 26 years total service USMC 6/BOP 20 but could still work for another 6 years before being reaching mandatory retirement age.  I just try to time the market by what is going on in the world and not try to time the market for the top or bottom.  If I can get a 1 to 3% swing I'll lock it in and wait.  Not a great chart reader but follow some of the threads on here with their breakdown of the charts.  I follow the Bollinger Bands, MACD, and Moving Averages, trying to learn more on how to read charts correctly to make better decisions.  I do own a few stocks and have a trading account that I mess with some.  In April I started my own Heat and Air Co. which has been successful in its first year.  Trying to decide if I should stay working for 4 more years (age 55) to pick up another $700/mo in retirement which would be about a 30% increase on my pension/supplemental SS.  I don't plan on touching my TSP until after 55 or later to keep from paying a penalty.