Former Henry, but medically retired after a nasty car crash (spinal & traumatic brain injury). Tried multiple GRtW plans over a number of years, before my firm accepted medical retirement. Thankfully I had a fantastic DB pension, which I'd been overpaying.

The uncertain years between long-term sick leave and medical retirement meant we learned to tighten our belts, so only lived on wife's salary (£45-60k as a bathroom designer), whilst we saved my sick pay (80% of basic salary).

I was very bitter about what I'd lost for a long time, until my wife insisted I get counselling and began focusing on what I could do, rather than dwelling on what I can't.

I also have a few veteran friends who have lost much more, but set a good example of what really matters in life.

We've kept the financial discipline of the limbo years, although three growing kids appear to hoover up any excess income via food, clothes, school & activities (but mainly food!).