[rfuerst911sc]

I retired 4 years ago at the age of 60 . It was a goal I had planned with a financial planner for 20 years . In my opinion a key decision maker is your debt load . For us everything we owned like cars/home/toys were paid for . So the only monthly payments we have are utilities and groceries along with taxes and day to day expenses .

In that scenario it is very easy to budget and stay on track . My wife and I both collect a pension along with SS plus I picked up a part time job . We live VERY comfortably but within our means . The one hit that is costly is health insurance to bridge the time from early retirement to Medicare eligibility .

Everyone's situation is different but I have no regrets retiring early . The day to day routine is anything we want it to be . Good luck with your decision .