<prompt> Human: 56 YO, earning near 100K per year, spending 51K per year. Enough in 401K to provide 55K per year 5.537; return until 82. Im having trouble pulling the trigger to commit to a retirement date. Full healthcare provided for me as part of the retirement benefits for 300 per year. Wife will go on Medicare in September. I can tap my 401K without penalty as I am 56 and will maybe be leaving the company. She will get a small amount of SS, and hopefully more when I start drawing early at 62. Im still scared. Am I crazy to retire? Or crazy for staying at my job? One part of me says enjoy your money while you are still living. The other says Why are you leaving a job that pays close to 100K per year? My wife and I have diabetes and I have had one heart attack. My wife is anxious for me to retire and would like to travel. This is one of the hardest decisions I have faced for a long time and I am lost. But blessed to have options  <response>: Try taking some 2 week vacations twice a year, unpaid if necessary. That may allow you to work till you get down to a safer 4 withdrawal rate. If youre still heavily in stocks you are at high risk. Look at asset allocations similar to 2020 or 2025 funds since you are a lot closer to retirement than calculators expect 