We spend half of our lives working and the retire tired at 65 - 70. Those who retire early, 45 - 50 get to spend more time with family, friends, hobbies, and passions, as well as the opportunity to learn new skills, play instruments, engage in sports, and enjoy youthful activities. Its fun. Despite people saying that the lack of health insurance is a disadvantage to early retirement, I tend to think that an early retiree who may not be able to afford healthcare can opt for part-time employment to maintain affordable health insurance. Where this is not possible after a thorough thinking, then the individual must choose to continue working until it is sorted out.