I retired early from very stressful work after 35 years. When my finance guy came into my office late one day and asked if I heard of the Actuary Tables corps use, and than explained them, I set my goal on getting out. I was shocked by them. It basically says those that worked later in the ir years have a high probability of dying younger! That's how they reduce pensions in the long run. I saw to many I knew retire at a late stage than shortly died thereafter. One of the best advice I got.