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Reply to "When to do it"

Congrats at setting a retirement date, @Suzzzzzz59 ! I don't know about there being an easy formula to use, but one of the things I did prior to retiring at 61, was to check my projected Social Security benefit. I wanted to know how much I was leaving on the table by retiring early. My game plan was to pull money from savings to tide me over until age 62. I had some assistance from a professional advisor, but basically, I sat down, thought about what I wanted to accomplish, looked at all my income streams, and developed a plan that works for me. So far, so good, but there are sure to be hiccups along the way. All we can do is plan for them as best we can.

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