Are most people working too long unnecessarily?

[terri77]

I get my SSA statement annually, but just to make sure that my reported income is correct. I will also have a pension & my TSP. I could retire as early as 57, but everyone says it's best to retire at 62 due to the increased calculation in the pension, but I haven't run the numbers to know if it really makes a big difference. I enjoy my work, but it really depends on my health outlook as to when I choose to retire.

[LivingAlmostLarge]

I get my SSA statement annually, but just to make sure that my reported income is correct. I will also have a pension & my TSP. I could retire as early as 57, but everyone says it's best to retire at 62 due to the increased calculation in the pension, but I haven't run the numbers to know if it really makes a big difference. I enjoy my work, but it really depends on my health outlook as to when I choose to retire.

It depends more on the pension than ss.

[srblanco7]

What is a CAPE strategy? Is there a site online where you can run those projections?

The site FI calc lets your run projections using 12 different withdrawal strategies (including a CAPE based withdrawal strategy).

https://ficalc.app/