@guerra.wealth: Most people think retirement starts at a certain age. 65. 66. 67. But retirement has never really been about age. It's about income. Some people retire in their 50s. Others continue working well into their 70s. The difference usually isn't how old they are. It's whether their income can support the life they want to live. Retirement begins when your reliable income covers your lifestyle and work becomes a choice, not a necessity. That's why the most important retirement question isn't: "When can I retire?" It's: "Will my income allow me to stay retired?"