I don’t see any reason why you’d want to retire before 65 from a major / legacy unless you don’t need the $. I’ll be senior enough to work 8 to 10 days a month in a few years. Also if you have medical issues all legacies and most majors have LTD. It seems the lowest I’ve seen is $8K a month and up depending on company. It’s usually tax free if you pay the premium after your taxes. I’d like to get my SS as I paid into it since I was 15 yo.