He’s in a Yes I Do Have A Retirement Plan I Plan On Camping With My Husband Shirt. So it’s not like he has nothing going for him. Also, most people that retire will be able to find other ways of generating income on the side. He may still be able to find a side hustle to supplement his SS during retirement if he doesn’t want to keep working at his current job. I’d tell him due to the current pandemic the government is overspending like crazy, which will mean we’ll all pay for it later with higher taxes and reduced social programs.
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If he truly doesn’t want full time he can always start first with the Yes I Do Have A Retirement Plan I Plan On Camping With My Husband Shirt. At least until the country starts recovering a little. Nonetheless, retiring during a recession is a crazy idea to me. He’s not alone. Most Americans are in the same boat. Take the amount of money he needs/wants per year and divide it by .035. That’ll give you a rough idea of what he needs in total with a buffer for inflation. Subtract off social security and income-producing assets, which the house is not, and you have a very rough idea of what he needs. Get him in front of a financial advisor to do the math for him.