The article suggests reconsidering a planned 2027 retirement if any of three conditions apply. The first is worry about running out of money, where reviewing the retirement budget, working longer to save, or phasing out work by reducing hours may help. The second is concern about boredom and losing purpose, which part-time work or a side hustle could ease. The third is expecting more from Social Security, as the average benefit was only $2,088 per month as of August 2026, so readers are advised to estimate their benefit through a my Social Security account and consider delaying retirement if there is a shortfall.
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