Retiring early seems to be better than retiring late providing you are financially independent. People used to retire and then die. Nowadays, retirement can last twenty years. What do you plan to do for these twenty years? Golf, tennis, an overseas trip or a drive around Australia won’t fill twenty years. It might fill one and then what? If you plan to do some travel, renovation or study, make sure your health is up to the task. Don’t wait until you are tired or just want to stay home. Act while you have the interest and the energy.