Had an appt with pension guy about 5 years before retiring . Those last 5 years went by super fast.
We spent them getting ready. While making the big bucks we replaced all the appliances, installed a wood floor, work on the roof, got our vehicles all squared away with repairs, upgraded some furniture, changed the spare room into a bedroom for the grandkids when they visit, did some extra landscaping. Paid off house which we did in 17 years instead of 30. Otherwise retiring would have to wait 4 years until SS kicked in.
Just basically took care of the big ticket items before retiring. It really paid off so to speak, Less anxiety when we finally retired knowing it was all done.