For Paul Alto, a lifelong Cleveland, Ohioan, the plan was always to retire at 65. But after having surgery to treat two hernias at 61, he knew he couldn’t go back to lifting 100 to 150-pound boxes in his shipping and receiving job.
Even though Social Security and his pension wouldn’t kick in until he turned 62, and he wouldn’t have any income coming in for a few months, he decided early retirement was the best option.
