There is an exception to the rules for someone still working for the employer who sponsors the plan. If you don't already own a home, consider if this is a good option for you. A successful retirement depends largely on the steps you take during different stages of your life. Here are some moves to consider. If you plan to work part-time, find out how this will affect your Social Security income or taxes. You may need or want to buy health insurance or long-term care (including nursing home) insurance. Your Early 60s (Late Career) Ask the Social Security Administration, your accountant or your employer's personnel office to help you determine how much Social Security and pension income you'd get if you "retire early" - and how much you'd lose compared to holding off on retirement. Arrange to have your periodic payments, such as Social Security benefits, directly deposited into your checking account.
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