I took early retirement at the age of 59 and eight months and I wish I had done it earlier. What made up my mind was when my line manager walked out after an almighty row with one of the senior managers (who was in the wrong). Another tip, consider equity release if you require more funds, it depends on your personal circumstances but as I have no dependents I found it ideal when I needed funds urgently (both gas and water leaks needed urgent attention).