It is completely up to that individual when to retire and how to retire. Every individual has their own right to define retirement for themselves. A true retirement age is dependent on factors such as one financial state. A plan should be made and implemented with the help of professionals to achieve the goals that you have defined for retirement. Changes can also be made to the plan as per requirement.
Firstly you need to manage your investments. A right place has to be chosen for making an investment, where there are high opportunities for growth. Apply for an insurance plan, which satisfies your requirements. Make the needful changes to your life style. Your retirement should also cover costs for healthcare and also social security. The outcome of your retirement planning should be sufficient enough to fund you a comfortable life style.