there is never an easy option.
i have retired and gone on the pension
it can be very hard to adjust financially
it can be very hard to adjust mentally
but if you need to .... you need to
i went bankrupt when i became ill, and went onto disability
so i had to start again from nothing.
there are lots of stories from others.......
but no-one can tell you what to do,
or when it is the right time to retire
you need to be true to you, not your pride.
hope you can work it out.
When you're stressed, You eat Ice cream, Cake, Chocolate & Sweets. Why? Because stressed spelled backwards is DESSERTS.