Want to retire early? Top tips for getting there
8. Optimize your Social Security benefit
Your eventual Social Security benefit is calculated based on your 35 highest earning years of employment. If you retire before you have 35 years of credit, your "missing" years will be counted as zeros, which could put a dent in your benefit.
Alternatively, even if you have 35 years of credit, you might want to keep working a few years longer because the higher salary you are earning now can replace some lower year's income. Finally, if you must claim your Social Security benefit at age 62 in order to afford early retirement, the odds are good that you cant really afford to retire early.