Other people know nothing about you and will provide answer that are biased by their situation, circumstances and the decisions they made. IOW, their personal context.
If you do not understand the financial issues or retirement planning, you might consider having some sort of review with a qualified and experienced certified financial planner.
Does your employer provide you with access to a retirement planner for a review? Believe it or not, some companies have that as an employment benefit for no cost or a very low cost.
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