The advent of COVID-19 abruptly changed the decision-making around retirement — at least as long as the pandemic lasts. While retirement is mainly a financial decision, it’s also a decision related to time and how you spend it. If you’re thinking about retiring soon, ask yourself: “What do I gain from retiring, and what do I lose from retiring?” In the midst of the pandemic, the leisure activities that many enjoyed are limited, such as travel, visiting family and friends, eating out and shopping. Of course, retirement has a much longer horizon than the next year or two — for many, it will last 25 or 30 years, or longer. If you still want to go ahead with early retirement or retirement at a more traditional time, consider consulting with a fiduciary financial advisor such as LS Wealth that can help you determine whether you can build a sustainable retirement income plan. There are also a number of online tools that can help you get a grip on your readiness for retirement, including AARP’s Early Retirement Calculator, Social Security Benefits Analysis, Medicare Eligibility and Premium Calculator and Networthify’sWhen Can I Retire Calculator.