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Grey-ghost, this is purely my opinion and may not be echoed by anyone else. To me it depends entirely on how important that 24,000 is to you. Not whether you'd be forfeiting the 24,000 but how important it is to your comfort to the end of your life. I say that because I retired five weeks after turning 55. By doing that I gave up way more than 24,000 in retirement benefits that I'd have had if I worked to 62. BUT, I have seven more years of retired life and am enjoying every single moment of it far more than I enjoyed working (and I liked my career). To me that is worth way more than 24,000. Who knows, I may not even live to 62. I do not know nor want to know your financial situation. If the 24,000 is important to your future financial security, then retiring now may not be right for you.
Good luck, whichever way this works out for you.
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