Dear Annie: I'm a teacher, 54, divorced, and I live out West. I make an excellent salary and have great benefits. The problem? My entire family, two married daughters, a grandchild, parents, siblings, nieces and nephews, all live in the Midwest. I have no close ties with anyone here, and it's often very lonely.

I am considering retiring early in order to move closer to my family. However, that would mean leaving a job I love and giving up an excellent retirement program, medical coverage, etc. At my age, it would be extremely difficult and exhausting to start over, should I be lucky enough to get hired. I want the financial security, but my heart is calling me to go back home. How do I prioritize? -- Apple Valley, Calif.

Dear Apple Valley: Can you live on the benefits you will get if you retire now? Can you put aside money and travel home more often? Could you manage with part-time employment? Do some research on the job situation in the Midwest and consider all options. While you are deciding, try becoming more involved in activities at your current location. Work for a political candidate. Volunteer at a hospital. Take an art class, or learn to tango.