I think it's the additional 3 year commitment with the potential of having your retirement benefits renegotiated to your detriment that makes staying a bit of deal breaker for you. Sometimes you gotta go with the bird in hand.
A 55 year old man has an average life expectancy of 82 according to the Social Security lifespan calculator (yes, some will die much earlier and some will live much longer). But if Op's average life expectancy is 82 and his financial guy has said that he should be good until 94 if he retires this year, why the heck not retire?
There are just too many unknowns - will Medicare and Social Security still be around at 65? Will pensions and employer health plans still be viable at 65. What happens if the stock market goes belly up? What about inflation and rising taxes? If you're good to retire now you might as well do it. I predict that there could be a real brain drain in this country if all of this uncertainty continues.
If you want to retire and feel ready to retire than I would do it. You've worked hard to make an earlier retirement a possibility for yourself. Enjoy it.
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