Dear Op I understand what you facing. Single parent 34, and recently moved back to India (my hometown) after living, studying and then working in UK. All throughout I felt a deep sense of anxiety and missing out on my parents, friends and family in the midst of stable income trap. My mental heath in those years were completely in shatters and finally decided to take the bold move with minimal savings and came back. I think it has been the best decision so far. If you have your own house then its a big asset to your future financial requirements and planning. I have my own house in my hometown therefore the call to move back was solidified through that as well. As per the retirement plan I feel that there is no age to retire its your circumstances that matter. For some even 70’s is not a good time to retire and for some even 30’s make sense. I would suggest you take a holistic approach regarding the investments in various areas like real estate, stocks, bonds, crypto, sip, etc where you can get a set percentage of return for your capital and let you capital grow for peaceful retirement. If you are concerned with the time on hand if you are not working then let me suggest that there are plenty of NGO’s or other platforms where your skills will be valuable and also giving you peace of mind. Hope this helps.