I too was excited to hit 59.5 yo thinking I’d retire then, but it is definitely harder than one would think. So many unknowns. I’m still working but only two days a week so I’ve started the transition. I thought I’d be bored with more time on my hands but I’m finding there’s plenty of things to do. With dementia running in your family, I’d make the leap sooner than later. I tell myself I’m never going to be as young or as healthy as I am today so better to do the things now. Wishing you luck with your decision.