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Have you looked at how much your social security will be reduced by retiring early? You can model it with https://ssa.tools/ . Social security benefits are a very progressive tax scheme. You average income is calculated from your contributions and there are bend points on the payout - the lower part of your income is replaced at 90%, the next at 32%, and the last at 15%. If you haven't hit the first bend point and you get 90% replacement working extra would be a bigger benefit than if you are at the 15% level.
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