Retirement is a number you build toward, not an age you reach, with 2 real exceptions where age actually has rules attached: Social Security and Medicare.
Social Security (62 to 70) and Medicare (65) are the only 2 places age actually carries rules. Here's how to plan around them, and what people who hit their number actually do next. Start here before anything else on this page.
Claiming early cuts your benefit for good. Waiting grows it. The break-even ages that make this a calculation, not a guess.
Taxable brokerage, then tax-deferred, then Roth, as a general rule, and why the order affects how long your money actually lasts.
COBRA, marketplace plans, and what to actually budget for if you plan to stop working before Medicare eligibility kicks in.
Sequence-of-returns risk, and why the portfolio that gets you to your number isn't the one that should protect it once you're there.
See what your number looks like from here. Adjust your savings rate, return, and years to retirement.
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