I guess it depends on how much (or little) you like your job, and how much (or little) it adds to your life.

I'm healthy, happy, and my job contributes to both.

I love my job. I like the people I work with. I like that part of my job is training recent grads on how to be a superlative public librarian (we won the 2015 Library of the Year Award last year, so we know a thing or two about that), and I like our patrons and cultivate friendships with them. Why would I want to give up that?

Until I took a job at the library in my mid-40s, I hated every job I'd ever had, and planned on quitting at age 55. I'm 59 this year and recently set my retirement date: June 30, 2027. That's the end of the month after I turn 70, when I'll no longer be allowed to contribute to the state pension plan.

I haven't yet decided whether it will be that autumn or the following spring when I'll use an entire 90-day tourist visa bike touring Japan.

As for retirement communities, moving to a senior apartment would cut my rent by about half. Why not? So I'm on a couple of waiting lists.