Yeah, I'm 52 . . . so it's another 7ish years before I'm in the no penalty stage.
We'll see how it all goes. I keep my ear to the ground for potential opportunities so you never know. Nothing that has come up so far would be worth leaving--equal stress for less pay. I've thought about what my next move here might be if I get to "that point" again. Maybe would go to my new manager and have a chat about whether they'd be open to creating some new position at a reduced salary where they could benefit from what I bring (which they'd be hurting if I left) while having some funds back to backfill with someone younger who'd start at a lower salary anyway. High risk move and I'd have to be ready for the "thanks but no thanks" response or just getting laid off later.