Yes,early retirement can cost quite a lot around 4.25% of the sum for every year under 65(or that's how my company pension worked).If I pop my clogs the pension is halved for my wife to tour the world on
.
Yet I am still glad I made the decision life is too short,especially with my family's statistics of leaving this mortal coil at an early age.
So my general advice is quit while you are ahead,take part time employment and smell the Roses(and sip the Famous Grouse).
Though I know not everyone has the option!