When you retire only boils down to two things.

1) Do you enjoy your job? If you do, keep working.
2) Can you afford to retire? If yes and the answer to 1) is no, pull the pin and retire.

The obituaries are full of people who were working because they'd have gotten more SS benefits if they had kept working.

"We live in a time when intelligent people are being silenced so that stupid people won't be offended".