I have been pondering on this since I was layed off a few months ago. From websites and the AARP magazine they all seem overwhelming to me with so much to consider. They talk about pensions, Social Security, investing, and not to forget medical, dental and vision. There is also mention that your Social Security benefits increase the if you continue to work until then. On the down side your SS benefits will be affected if you have a pension plan which I think is unfair. After pondering all these things it made me realize that working until your retirement age, Lord willing, is not such a bad thing. There are a few years before I reach my retirement age now I just have to find a job that I will be happy with until then.