Here's how you can navigate the financial implications of retiring late versus retiring early.

Early exit need to be thought up well in advance. While early exit looks fancy but it’s not as rosy if you do not have concrete plans to substitute the vacuum created and might lead to physical and mental health disasters. It’s recommended to always understand the pros and cons before taking this decision. It also has financial implications

Early exit is not a good idea, a person should have financially good background and secondly it shouldn't be age limit as far as he or she feels to work.

Early Exit : Retiring early can provide more time to enjoy retirement, but it often means a smaller retirement fund and potentially higher healthcare costs before Medicare eligibility. This option is relevant if you value having more leisure time and are financially prepared to handle the earlier retirement.

Delayed Departure: Delaying retirement allows for a larger retirement fund and potentially higher Social Security benefits, but it means working longer. This option is relevant if you prioritize financial security and can continue working without significantly impacting your health or well-being.

Nem sempre o previsto versus realizado são o que temos pela frente. O planejamento nos e pego no contrapé das expectativas, neste caso saliento o quê não está em nossas mãos como por exemplo os planos financeiros de aposentadoria que são geridos sem à nossa devida participação.

Aposentadoria deve ser planejada e a principal recomendação não é muitas vezes vista pelos possíveis “candidatos”. O cuidado do corpo e da mente que são os principais recursos no próximo passo.

Some companies they don't provide health insurance so for them it is very difficult, sometime whatever they earn just go out for medical ,so I kindly recommended all the companies to provide health insurance atleast they can save something for the retirement.

Nem sempre é uma saída os planos de aposentadoria privada, exemplos de planos que simplesmente faliram ou que ainda existem e foram surrupiados. Administração de forma desastrosas e irresponsável fazem com que todos acabam sofrendo no futuro, mudanças constantes nestes arcabouços que é previdência privada coloca financeiramente na berlinda os beneficiários que contribuíram durante toda vida profissional.