I would think that you should just look at what outgoing expenses you cannot live without and then what amt of money you will have to live on and decide if it is feasible. Worse comes to worse---get a little part time fun job in a gift shop or quilt shop or book store. Retired at 62 and enjoying every single minute. Hubby took an early retirement 1 1/2 years before me. We are healthier, happier and busier than ever before in our lives. Hope you will just go for it!