Retirement is a combination of factors: 1) financial security -can you afford to retire ? 2) occupational -do you have to retire at a certain age? 3)physical capacitiy -can you do the work? 4) other needs - are you a caregiver? Have you changed your life goals? 5) personality -will you be happy? Doing nothing? Have alternate jobs or hobbies? A financial advisor can help with some of this.