In my opinion, you shouldn't rush into retirement. I recently read on https://seekingretirement.com/can-i-retire that the right asset-liability ratio is important if you want to retire comfortably. If your ratio is too low, you may be worrying too much about your finances. If your ratio is too high, you may not be using enough cheap debt to get rich.As interest rates fall and stay close to zero, the propensity to take on more debt increases. Low interest rates also encourage more investment. This can be good for economic activity, but it can also create asset bubbles that end up destroying a lot of wealth. Be careful!