[Crowbob]

Some people have trouble adjusting. It took me 5 solid years before I settled down. Every morning for five solid years I woke up elated not having to go to work.

There's a donut hole with early retirement that you have to plan for. You can stop working any time you want but the hole between when you stop working and when you begin drawing is larger the earlier you retire.

Say you tell the boss to shove it at age 60. There's two years before you can collect anything from SS. If you wait for FRA, 66plus, that's 6 years.

In addition, most people with pensions have to go on Medicaid at age 65. Medical care insurance cards will have to be reshuffled no matter what.