Many people don’t realize how long their 401k would last if they retired cold turkey. The old idea of retire at 65, move to FL, play golf, and have early bird dinners worked fine when people didnt live much past 65. Now people could easily live until 100 or more, no matter how much you like golf this could get boring and it takes a large portfolio to support you for 35 years. People need to rethink what retirement means as it is unhealthy not to stay engaged doing something. For some it could mean cutting down hours, others could be a job change to something they enjoy more. When people think like this they can often retire a lot sooner than they think.