61YO next April. In the U.S. $1M retirement accounts, $250K non-retirement cash. Partner is stay-at-home, 16 years younger with $300K retirement accounts, contributes to IRA annually. No pensions. No kids. I have a high stress job, around 70 to 80 hours weekly and every day—including weekends—is a new crisis, $280K annually. No mortgage, no debt, live in Florida but in a beachfront condo with a $1K maintenance fee and about $10K annually for insurance and tax. Daily commute is through hard traffic at 1 hour total. Had a prostatectomy but will likely need (expensive) radiation at some point in the next 3 to 8 years. Had skin cancer issues the last few years (melanoma, squamous) and will likely continue to have skin cancer issues, but it hasn’t yet spread. I’m guessing that skin cancer will take me out at some point.

Hate my job, which is taking my soul, and it feels like all I do is work, but worried about health insurance. Don’t want to run out of retirement money (could live on $70K annually in today’s dollars) and also don’t want to leave my partner without anything in their later years, but thinking cancer will get the better of me sooner than later. Life calculators put me at mid-70s and my partner in their late 80s.

What should I consider in evaluating a decision to retire at 61YO? For example, keep working due to underfunding retirement or for healthcare, SS at 62 vs 65, health insurance until 65?