Retire when you want but if you haven't got the funds stay working.
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Life is for enjoyment, when you retire you need money to travel, eat good food, buy toys (vehicles, gym membership, golf clubs etc).
Also if you're insecure you'll needs friends and family close by.
If you retire without sufficient funds to enjoy your life you'll end up living in a box, watching the TV because you haven't got a vehicle to get out and about, then you'll be miserable, you will become one of the many moaners here on AN forums.