For most voluntarily leaving early doesn't make any sense. Unless you've hit that magical # (which for most people is always more, more more) or your health prohibits you from working, why would you leave? You have your best seniority with highest earning potential. Even if you don't want to work, you're likely senior enough to camp out in a category where "work" means going to the sim once a quarter and not drinking beer 6 days a month. I'm far more likely to throttle back than call it quits when I hit my early 60s.