A couple of years ago, I wrote a column about how to have a retirement worth saving for. It ended with a quote from personal finance educator Barbara O’Neill, who reflected on how the pandemic disrupted many retirees’ plans.

“It wasn’t just two years lost, it was two good years,” O’Neill said then. “You don’t know how many of those you have left.”

One of my younger colleagues objected to that sentiment, saying it was a jarring ending to an otherwise upbeat column. But my older co-workers got it. Those of us who currently have good health and energy don’t know how long those blessings will last. There’s no guarantee we’ll get to enjoy the retirements we have planned.

That lesson was driven home in July 2023, when a longtime colleague died at age 61. We’d had many talks over the years about the retirement he had envisioned. It’s heartbreaking that his dreams will never happen.

But his death was the push I needed to make my own decision. By the time you read this, I will have retired from my job at personal finance site NerdWallet.

In my latest for ABC News, learn how I made the decision to retire.

Many people don’t have much choice about when they retire. Illness, job loss or caretaking responsibilities push them out of the labor force, ready or not.

But some people have the opposite problem: They do have a choice, and yet they can’t quite bring themselves to quit working.

In my latest for the Associated Press, check three signs you may be ready to retire.