The answer will differ from individual to individual. If health issues are making it difficult for you to work, retirement makes sense. If you have something specific you’re planning to do in retirement (like start a part-time business), you may want to get started sooner rather than later. If your spouse is already retired and is eager to start some of the retirement activities you had planned to do together, you may not want to wait. But if you’re ambivalent about retirement, if you don’t mind working a little longer, if you still enjoy your job, or if you’re worried about your finances, delaying retirement will probably be a smart move.