At some point in your career, you may decide on an optimal age for retirement. That age may be 65, which is when Medicare eligibility begins. Or, it may be 62, which is the earliest age you can sign up for Social Security.

But as your target retirement age gets closer, it pays to consider whether it's really the right time to bring your career to an end. And if these specific situations apply to you, you may want to delay retirement beyond the age you initially landed on.

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Source Fool.com