Artful Dodger: Right now I'm "effectively" retired, but I prefer to say that I'm unemployed. Depending on the outcome of the presidential election, I'll know whether or not to call myself retired or unemployed.

I think the same is true with other people. Some doctors have already retired sooner than they had planned, thanks to the added headaches of Obamacare... and some people who were thinking of going into medicine are having second thoughts. Remember reading about the so called "brain drain" during the middle of the last century? Brains were "draining" out of Europe and finding their way to the US. We may be facing our own brain drain soon... either going overseas, or essentially being redirected and absorbed (in other words, effectively lost) in our own economy.