Retirement can be an exciting time for many people, with visions of days on the golf course and the opportunity to finally cross items off your ever-growing bucket list.

However, with retirement comes the need to ensure that you have properly saved and planned for retirement, so you don’t risk running out of money. What if you decide that you want to retire early? Or, what if you are forced into an unexpected and unplanned early retirement situation? Here are the things you need to know when faced with the decision of taking an early retirement.