Retiring in your early to mid-60s is the sweet spot for countless Americans. After all, at 62, you can begin collecting Social Security benefits, albeit at a lower amount than if you wait until your full retirement age (FRA) . By age 65 , Medicare kicks in, which covers about 80% of your health care expenses. As it stands, the average age of retirement in America hovers around 62, according to MassMutual . For many people, retiring early is not so much a choice as a necessity due to a job loss, illness, or the need to care for a loved one. Moreover, they are burnt out or are simply ready to start their next chapter. But whether or not you join the ranks of people retiring between the ages of 60 and 65 depends on several factors, from the size of your retirement nest egg to the planning around how you'll spend your time. Your lifestyle will also play a role in whether you can retire at 60 , have to wait until 65, or delay even longer.…