...It's true my savings are not what they should be....Actually you are doing great for your age and being single with no kids. Probably within the top few percent of people in your situation. The problem is that retiring early, even if you work part time, makes it much more difficult financially because;1) You have increased health are costs without an employers insurance policy. Even if you can find affordable insurance now, it might be very expensive by the time you are 60.2) You will have a lower social security, pension payment, and employer 401k contributions.3) You will likely invest more conservatively once you retire and will likely get a lower return which will give you less growth. 4) You will have more years to fund retirement if your part time work doesn’t cover your costs. 5) Likewise, the additional years in retirement make it more likely that you will happen to be living on your retirement saving during a bad bear market.6) When you are retired some of your expenses for things like travel, classes, hobbies, etc may increase more than you expect. There will always be some financial risk in retiring early but people often overlook the possibility that if they don’t retire early then they may not actually live to retire. Unfortunately I know several people who have died recently that were just a few years short of retiring. For couples this risk is mitigated by the higher probability that at least one of them will live to a ripe old age and need the retirement money but for a single person there can be a greater chance of dying relatively young than outliving their money.This link is overly simplistic but it will give you an idea of what the chances are that you won’t live to be a certain age.https://personal.vanguard.com/us/planningeducation/retiremen...From what you have said cutting back to part time work in your early 50’s sounds plausible to me if you plan well and are aggress in saving and living a frugal but fulfilling lifestyle. Greg
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