3 reasons it's not always a good idea to retire early – even if you think you can afford it
Even if you're financially prepared, there are some additional costs that may take you by surprise.
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effectively there will be no pensions soon
This is why you should be investing and start making your money work for you starting today otherwise you will never make it to retirement. Pensions and Social security wont exist in a few more years and 401k plans are taxed rather heavily.
Really need to plan out finances because nowadays people live long and retiring years is push to later.