 They say to themselves, a lot of them are do-it-yourselfers, we call them. They don't have an advisor. But they understand when I'm in my 40s, 50s, and 60s, I'm putting money in. I'm okay. But now I'm getting closer to retirement, and now I want to set up my account for income. So when is the best time to retire? Best time to retire is before your boss tells you you have to retire.