Well what I didn't really explain is how it is complacent on finding another job on the options retiring early. Its not a guarantee and certain things have to fall in place before choosing an option. Now receiving a pension one could have a little flexibility taking a job with maybe less pay or less hours. So its being semi retired since your still working. After rhe 59 1/2 year option is when still working is much lessened. Is your head spinning yet, haha?