Here's how you can navigate the decision to retire late or continue working amidst stress.

2 Work Value

Work often provides more than a paycheck—it offers routine, social interaction, and a sense of purpose. Reflect on what your job means to you beyond income. If your work is a significant part of your identity and brings you joy, it might be worth continuing, even part-time, to maintain those benefits. However, if your job is the primary source of stress, consider if it's time to step back. The key is to find a balance where work continues to enrich your life without detracting from your health and happiness.

3 Health Check

Your physical and mental health are crucial factors in deciding whether to retire or keep working. If your job is taking a toll on your health, it might be time to consider stepping back. Chronic stress can lead to serious health issues, so listen to your body's signals. Consult with healthcare professionals to understand how work impacts your health and if retirement could improve it. Remember, prioritizing your health is not a luxury; it's a necessity for a fulfilling retirement.

4 Social Shifts

Retirement can lead to significant social changes. The workplace is often a hub for social interaction, and leaving it may require you to find new ways to stay connected. Consider how retirement will affect your social life and whether you have a robust network outside of work. Staying socially active is vital for mental health, so plan ways to maintain or build social connections, whether through volunteering, joining clubs, or spending more time with family and friends.

5 Future Planning

Imagine your ideal retirement. What does it look like? Planning for the future is about more than finances; it's about envisioning how you want to spend your time. Retirement offers the opportunity to pursue hobbies, travel, or learn new skills. If continuing to work could hinder these dreams, weigh that against the benefits of staying employed. Conversely, if working longer could help you achieve these goals more comfortably, it might be worth postponing retirement.

6 Flex Options

Finally, explore flexible working options that could ease the transition into retirement. Many employers offer part-time positions, consultancy roles, or phased retirement plans. These alternatives can provide a middle ground where you can gradually reduce work stress while maintaining some structure and income. Discuss these possibilities with your employer and consider how they align with your retirement goals. Flexibility can be the key to managing stress as you approach this new chapter in life.

7 Here’s what else to consider

This is a space to share examples, stories, or insights that don’t fit into any of the previous sections. What else would you like to add?