Yes, there are risks when retiring early, and people are quick to point them out when a person makes that choice. What about the risks of not retiring early? Those don’t get as much play.Short answer: It depends.
The best way to maximize the odds of enjoying the long, healthy retirement you’ve got in mind is to retire as soon as you possibly can. That’s just the math. The longer you put it off, the more likely you are to miss out on the ideal post-career life you’ve envisioned for so long.