[jmcarter]

There’s not a single fit for the vast number of variables but the amount of debt you’re carrying (having your home paid for is a big plus) and any savings/401K/pension you’ll be able to rely on all play a role. In general tapping into savings/401 at no more than 4% @ year is a good guide. If no healthcare plan until Medicare (plus an advantage plan) then you’ll need a bridge there. You’ll get many opinions on when to start drawing Social Security but I started at 62 and don’t regret it. I follow Dave Ramsey’s YouTube channel to make sure I don’t get too far off base. I’d only add that I was fortunate enough to retire at 58 and certainly don’t regret it, it’s allowed us to travel extensively while we still can enjoy it and the bond with our grandkids has been deepened vastly by all of the shared experiences. Hope you can swing it.