When I look at retirement, that is early retirement, I think of age 60 in Australia as that is the earliest age a person born after 1963 can retire. For non-baby boomers like me, unless we have a very good reason such as personal hardship, the soonest we can unlock our retirement funds is age 60. If you hit age 60 and have the funds, then retirement is clearly the best option, if you are fit enough, then you should enjoy ýour retirement.

So if you look to delay your retirement, there had better be a very good reason, such as personal hardship. Ultimately, there is the time value of money to consider, then, more importantly is the value of time. No matter how much wealth you possess, the value you place in your time is what is valued in your life. Being financially secure is important, you need money to enjoy activities and your time, for me scuba diving, sailing, kayaking, mountain bike riding, hiking and boating.

So, for me I am looking to travel and write, I intend to become a digital nomad. I need to find a way to supplement my income. Yes, I will be living off my retirement benefit, I also seek to perform some part time work to earn some income to reduce the draw down on my retirement benefit whilst still enjoying the benefit of becoming semi-retired. I will look to generate an income from my digital activities and I am looking forward to it.