Getting through the financial challenge is important. However a bigger challenge looms ahead which can render the financial cost irrelevant. And that is, what you will do after retirement. I don't know your age, but my father retired on disability at 35. He received word he'd be getting disability from his job, plus 100% disability from the military, which included 13 years of back pay. I'm sure that was one of the happiest days of his life. Plus my mother worked, so finances never became an issue while it was being finalized. You'd think he had it all: a wife, kids, house, money, and he didn't have to work. However, my father became the most loneliest, bored, and miserable person. It was a combination of not feeling helpful or somehow productive and the fact that he could not work without loosing his benefits. Over the years, the alcoholism took over giving him diabetes, plus it exacerbated all his other health problems to the point his doctor continuously warned him if he took one more drink, he would die. By this time he had shribbled up, going from looking younger than he was to looking older than he was. After going in and out of rehab, he began doing much better for several years and actually began to enjoy life until one of my siblings suddenly became terminally ill during the holiday seasons, which had always been his favorite time of year. Needless to say, he began drinking during this time and he had to go back to the hospital. However this time, he never came back. He never found out that his terminally ill daughter, who was my sister, had passed away, which probably wouldn't have helped his condition.
I told this story to warn you and others contemplating retirement of the biggest regret if you don't stay active and find a purpose, not to say everyone will be tempted with alcohol. However, what happened to my father is very common and most of the time, it wasn't just the alcohol, but his mind and body was affected over the years from not feeling useful, which can be detrimental, otherwise that drink wouldn't have taken his life. I've seen several individuals retire, then pass away a couple of years later, in some cases several months later. If not, they would suddenly complain of aches and pains. These individuals retired much older than my father did, so these pitfalls faced them much sooner. Regardless of what retirement option a person takes, again not staying active and not fulfilling your purpose could be the biggest regret when going into retirement. It could mean the difference between life and death in some cases. Making a difference in someone's life and feeling productive in society would best fulfill that need and purpose after retirement, which includes volunteering in church, working part time, etc... Even providing support to forums such as this could fulfill some of that need and purpose.