Not much to add here from what's already been said. However, there is more to retirement than just being able to afford it. You seriously need to assess what your time is going to be like when you don't have a job to fill it with. Most of my friends are retired and many have had this problem. My riding buddy retired from the V.A. as a research assistant and, even with cycling, had a hard time finding things to do because he wasn't used to just sitting around. He now works for them 3 days a week, even though he can afford not to. I had a good friend that retired from the Sheriff's Office after 35 years and died three months after his retirement. He was so bored, he began drinking throughout the day and eventually committed suicide because he couldn't handle the inactivity. I worked for 25 years for my county's EMS/Fire Rescue and worked a 24 on 48 off shift with 5 consecutive days off every three weeks (to keep the overtime down). I had no problems with the excess time on my hands since I basically worked 2 days a week during that time period. I retired from the county at 55 and worked 10 years in Corporate America as a consultant, which also gave me lots of time off between contracts.

Retirement is great and it's the best job I've ever had. It's even better when your wife is retired because you can do things together to fill your time with. I will say that if you can afford to retire and you have ways to keep you busy for the day, go for it. You won't regret it.