Sadly, I have come late to Mustachianism. But I have a question: if one could retire at 62 with a pension of $3,400 per month for life, and yet one has not reached the 25X the yearly spending in savings (probably be between 1/2 to 2/3 there), and the pension appears to be on quite solid footing, would it make sense to retire early still or would it be better to work the extra years to get the savings up to 25X (would likely have to work till about 70 to pull it off). Only debt at the moment is mortgage, and working like madman to have that paid off in next couple years and then saving and investing even more. Thoughts?