The end of the year is a common time to retire, but how do you know if it is the right time for you ? Technically, you can start withdrawing funds from your retirement accounts at age 65 without penalty. But that age may or may not feel like the right time for you to exit the workplace.

Ultimately, the decision to retire is personal, and is one that depends on your financial situation and other life circumstances — not to mention how you are feeling about the drastic transition. If you are starting to notice some of the following signs, you may be about ready to hang up your hat.

Minimal debt

While debt is never ideal to have at any point, it can become a real burden during your retirement years, when you are no longer actively bringing in income and instead have to rely on what you h

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