Wait! Don’t start your retirement just yet. While many have an imaginary goal in mind of when they should retireat what age and with how much socked away in the bankthe decision to kick off one’s golden years depends upon myriad financial and personal factors. For instance, if you are still paying off a mountain of debt, then it may not be the best time to retire. Or if you haven’t saved enough to cover your health-care expenses in retirement, you may be better off staying in the workforce. It may also come down to whether you find something you like to do during retirement. You can’t clean out your garage twice a day, every day.

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