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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Why wouldn't you wait 2 more years and get an extra 10 percent of your pension at 62?[/quote]

Didn’t know this was a thing. Maybe I can hold out until 62. But being at my desk is slowly killing me.[/quote]

Work on spending less.  Keep a spreadsheet of everything you spend and see where you can cut back.  Once you feel like you are comfortable with your current income you can think about reducing it by retiring.

Figure out what you can do to make your life better now.  Can you find a volunteer gig?  Can you start an exercise routine?

I really doubt that it's sitting at a desk that's killing you.  It's probably middle aged malaise / mid life crisis.  Add some more meaning into your life and you'll find sitting at the desk to be a lot less horrible.

If you didn't know that working to age 62 would get you 10% more pension income forever, you're not ready to retire yet.  Look at the details, all of them.  Your current spending and then money you'll have in retirement and you'll have a better idea of whether or not you'll be ready to retire at 60.  None of us can adequately answer BUT it's bad that you feel low on cash now.[/quote]

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