Should You Retire Now or Delay a Few Years?

Picture this: you’ve had one of those Mondays. You know the ones where the printer jams, someone eats your lunch from the work fridge, and you think, “That’s it, I’m retiring.”

But then reality hits. Retiring now might sound tempting, but sometimes delaying just a few more years can make a big difference. More time to save, more time for your pension to grow, and let’s not forget—more years building up your State Pension record.

On the flip side, work isn’t just about money. Some people love the social side, the sense of purpose, or (let’s be honest) the excuse to escape the house when their partner has a never-ending DIY list waiting.

Here’s the truth: there’s no one-size-fits-all. Retire now, or in five years—both can work. The real question is: what does your version of a fulfilling retirement look like? That’s where planning comes in.