If you are wishing you could retire, where does that put you? To boil it down simply, there are only a handful of considerations you need to look at, and each one of those can be analyzed. Let's say you have a certain amount of savings and/or a certain amount of income, like Social Security, and you’re trying to decide whether you can retire. Maybe you’ve been to an advisor, paid for a “plan,” done all the analysis you could, and don’t know. Worse, maybe you’re at a point of no choice – you’ve lost your job, your investments have gone down, you really can’t, or can’t stand, working any longer, and you have to retire, but are afraid you won’t “make it.” Read the Article for your choices.