I'm about to turn 64 and plan to retire "no earlier" than 67. My wife will turn 65 then and we'll both be on medicare. That gives us 3 more years to pay down our mortgage, build a retirement home and be debt free with a sizable 401k account. Me working a year past full retirement age will balance her retiring BEFORE full retirement age.
Only did all the calculations and planning within the last year to come up with the numbers that showed what it would take and when for us to live comfortably. What really precipitated it was that my wife met with someone from Fidelity at work who took all our pertinent information, assets, debts, income, etc and said she could retire THIS YEAR AT 62!
I said, "yeah sure but there'd be no cushion" in our living expenses to live the lifestyle we want. I don't want to be eating beans out of a can so I can retire tomorrow.
However, everyone's situation is different. My advice is to run the numbers, then consider your health, whether you like going to work at your job, family situation, what you plan to do in retirement, etc.
I'd bet that most guys on this forum will be very active in retirement, probably not many couch potatoes here (health willing).
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