You should retire as soon as you can, this is what I am gonna do as well in 5 years. You should put your freedom above the extra 10k per year, this is not worth it. If you have the possibility to retire yearly, make it real. Overworking will have a negative impact on your health, and this affects your entire life. I feel good at the moment, and with the help of pension advisors https://www.hensoncrisp.com/retirement-pensions/, I am thinking about my retirement plan, until I didn't ruin my health too much because of work.