When it stops being fun to go to work and when you can no longer tolerate the idiots you are forced to work with. That’s the joy of retirement, you don’t have to mix with people you find infuriating.
If your pensions are already good enough and you are mortgage free, go for it. You won’t regret it. Just make sure you have plans to treat retirement as a long term project - it is not an extended holiday. You will need different things to do. We are lucky, with 2 horses, a Morgan, U3A and my work as trustee of a charity we rarely find ourselves at a loose end. We do fill any gaps with plenty of holidays though.
Whatever you decide, good luck.
