"keep your mouth SHUT about your business and what you are doing!!!" sound advice..
It is never too late to start a retirement plan. I took out a rp years ago that gave me great peace of mind incase I was killed and then my wife and kids would have the ability to pay for the house have a decent safe car and pay for education etc I saw doing so as a sound protective thing to do, a duty if you like.
The jw bemoaned this and it was "the govt will get it all" or some such. Well if the economy goes arse up to the extent that the govt grabs the lot so be it until then my rp pays me a sum every month and it that that helps me pay for private medical cover, this computer and other things that witnesses never consider like major car repairs.
Your thinking is sound but take on board the above advice. Go back to work? Its your business but you will get jw who make it their business while they live in self prescribed poverty.
education? Brilliant! A friend of mine makes a nice earner doing hair styling from home or visits some customers.
please keep in touch I for one like to hear positive input.