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Just to play devil's advocate here.

My Dad "retired" early - somewhere in his 50s. Although he liked it, he had not planned on his friends not being able to "play" whenever he wanted to. It made the first 10 years of retirement a bit challenging.

My first retirement was at 44 - I wanted to beat my Dad. Although it was my choice, I was not ready and went back to work a year later - only PT though. Second retirement was at 61 and the final was this year. And, I am considering volunteering because I am bored.

The point of all this is to encourage your friend to really ponder what he/wife are going to do with all the free time. Unless he plans to hang out with people who are 20 yrs older, he is going to find it lonely.

Some of the decision is about money. Most of it will end up being about the way you spend your time.

Good Luck.
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