How to Retire Early Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents 18 Years Worth of Days The average retirement lasts for 18 years. Are you prepared to fill that many days? Catch-Up Contributions Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.