Interesting to hear others experiences. I am 60 and trying to plan my retirement. It seems to be a balancing act between how long you will be healthy and what your financial needs / wants are.
It is a tough decision on when. We are in decent financial shape, but health care is the challenge. The company did away with structured retirements about 12 or 13 years ago, so I have one but it is small. The company began making contributions to the 401K shifting the risk to the employees. In addition, they killed the retirement healthcare supplement just last year, so to get the same plan I have now for the wife and myself will be the largest expense. We have 0 debt other than what we put on CC's and pay off monthly.
With SSI and Medicare in trouble, I worry about running out of money. But, I am also fed up with work.
Gonna have to figure it out.