RIVERGANG:
Even those of us who did not ‘buy’ it all and who DID prepare - still have to watch our pennies. Everything is terribly expensive..
Maybe some who retired early had to because their body was telling them something! .. If they worked longer they would get higher SS.. But, that was not to be.
I’m happy for you that you are not in a physically demanding occupation and that you might be able to retire next year. Something to look forward to!👍🏻