Just Hold Out To 65!
Been going down a few rabbit trails and assisted by the YouTube algorithm once they figured out my age and my retirement date in a few years. What I find interesting is that the average human lifespan for men and women isn't completely accurate. Many of us will not die at 75-78 years of age. The insurance companies and retirement funds predict that if you can make it to age 65, you'll live to be 86 if you are a woman and 83 if you are a man.
Hold out to age 65 with everything you've got and chances are you'll have another 20 years or so.