Should I Take the Voluntary Separation or Wait for Retirement? 🤔

I’m 60, and just when I thought I had my retirement plan all mapped out, my company throws a voluntary separation package my way. Seven months’ pay and six months of health insurance sound tempting, especially since my wife turns 65 right after the coverage ends. But here’s the kicker: our savings is about 20x our annual expenses, not quite the 25x I was aiming for. My job isn’t stressful, my boss is great, and I only commute twice a week. But the difference between leaving now and sticking it out until 62 is a whopping $180k. That’s not exactly pocket change! I dream of more time for books, piano, and camping, but I keep worrying—what if the market tanks or we need a new car? I even applied for the package, but they might not approve it since my role is hard to fill. Now I’m stuck in limbo, second-guessing everything. Has anyone else faced this crossroads? What would you do in my shoes? 😅 #RetirementPlanning #CareerDecisions #WorkplaceDilemmas #JobCareer