[manaboutown]

My father lived to 94, much longer than he planned or expected to live. He was very worried about running out of money his last 10 years. Over time, in his case almost 30 years, inflation ate up what, at the time of his retirement, seemed a comfortable fixed income. His wife (my mother), who was considerably younger than him and had some social security income, passed about five years before he did. That income stopped when she died. I know the OP is unmarried at this time but when a spouse passes some retirement income stream can be lost. When to retire is a decision not to be made lightly or without as much information and guidance as one can obtain.