It depends on one's wishes and financial status. If one feels that he has enough money to live a comfortable life after retirement, he can retire early. Not everyone has the same financial status and backup. Again if working Someone can establish a successful business but he should not have a problem to retire from his job. Many people live only by their job and in their case, early retirement will be like a kind of curse.
Before retirement, it may be better to retire after having a financial backup so that the employee does not have to depend on someone else to live during their free time.A person needs money in daily life to live his life. So a person always thinks to earn money in daily life to survive.