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What about maxing out SS?
I'm semi-retired already. The stock market has been good to me in spite of the recent bumps. I don't quite have enough to live in the San Francisco area for the rest of my life, but starting to think about cheaper places.
You can retire any time that you can afford to, and not collect SS until you are 70.You are correct, but I never think that way. But you'd have to have your 35 years under your belt. "Your retirement benefit is based on your highest 35 years of earnings and your age when you start receiving benefits."
Another question is - how much do you need to live on yearly when you are retied?
Retirement is at the whim of your employer, an illness or other unknown accident or life event (financial or otherwise or both), same with traveling and working after retirement.
Life has an uncanny way of upending the best laid plans with the "unexpected" that only happens to other people.
a.) If you are retired, please describe your circumstances.
b.) And if you are not retired, when do you plan to retire and how will you manage it.