Though many working Americans don’t put much thought, or much savings, into retirement, if you’re the type who’s been planning for the future, you may have reached a point where you’ve decided when you can retire and what you’ll do with your time once you’re no longer working. Your plan might include extensive travel, furthering your education, or spending more time with loved ones. Similarly, it might involve retiring in your early 60s, or mid-60s, or late 60s.