Work hard on the financial questions now, and maybe look at part-time or other supplemental. However, in general, I recommend retiring while you are fit, able, and sharp. You likely have good years ahead, and you don't want to grind yourself down to a rocker before your time. I thought I'd be choosing between reading a book and taking a walk, and though I do those things, it seems the pace has picked up rather than slowed, and I am more involved in structuring my days. Best luck and keep us posted.