When the subject of retirement comes up, most people focus on two pieces of data: The amount of money they have saved (plus any sources of income they expect to have, like Social Security), and their age. Those two pieces of information give you a broad idea of when you’ll be able to retire, and as you approach retirement age (62 years old at the earliest for most people) you can usually hone in on the year that retirement becomes a viable option for you.But there’s a third data point you should consider: What month will you retire? Though it may not be obvious the precise timing of your retirement decision on the calendar can have an impact on both your finances and your psychological wellb
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