Depends on you OP. Some folks live to work, some folks hate working. My father worked hard and died just after he retired and never enjoyed retirement.

We are not promised tomorrow, You will die one day, anything you want to do in this life that requires early retirement such as traveling etc?

I have a friend that was so excited about retirement but as soon as he retired he started panicking about his money situation, the guy has plenty of money, a tightwad but all he does is now worry and complains his new part time 4-8 hr a wk job does not give him enough hours and money to pay his one credit card off. I guess some folks have real problems, right?

The guy was built to work and as I see it has zero peace in retirement and never should have retired. What kind of retired person will you be OP? Happy or not?

Personally, I could sit on my a$$, be happy and GLP all day and night with the options you have but thats just me...