Here are 3 surprising stats that will make you want to retire as early as possible — are you waiting too long?

Here are three surprising statistics that could change the way you look at your golden years and retirement plans.

Healthy life expectancy is just 64 years

According to the World Health Organization (WHO), the average life expectancy in the U.S. is 76.4. years. However, just because the average person reaches this age doesn’t mean they enjoy those years.

The healthy life expectancy in America is just 63.9, according to the WHO. After that, you’re more likely to suffer from chronic medical issues that can leave you unable to easily enjoy your golden years.

If you plan to retire at age 65, you’ve already crossed this threshold. You might be healthier and in better shape than many of your peers, but your chances of needing medical attention have significantly ticked up at this age.

If you’re interested in retiring early, or already plan to, this statistic may help you make your decision. While not everyone will develop chronic health conditions later in life, some may want to avoid finding themselves finally retired but with less enjoyable time left than expected. Retiring as early as possible could give you more time to enjoy your time pursuing activities or spending time with family.

Most people spend 90,000 hours at work

Andrew Naber, a data scientist who graduated from Gettysburg College, calculated that most Americans spend a total of 90,000 hours at work during the course of their career. That’s a lot of time that you’ll never reclaim.

Sometimes it takes a new perspective to realize how things can add up over the years, but with only 24 hours in a day, 90,000 hours spent at work in a lifetime sounds like a lot.

For some people, this may rally them toward spending more of those remaining hours retired as early as possible. If you work 35 hours a week, retiring just 5 years early could give you a chance to reclaim roughly 9,100 hours.

With CruiseBooking reporting that the typical world cruise is about 120 days, that’s enough time to take a world cruise roughly three times.

Early retirement can reduce depression

The circumstances under which you retire could have a big impact on your mental health. That’s according to a study published in the Global Health Research and Policy journal. Those who retired under positive circumstances with aspirational reasons reduced their risk of depression. Whereas those who retired under negative circumstances had worse mental health outcomes.

Retiring by choice while you’re still relatively young and healthy could reduce your risk of depression. But if you wait too long, you increase the chances of being pushed out of the workforce involuntarily, whether that’s due to an issue that might arise with your physical health, or something else.

Taking control of your destiny and retiring on your own terms is one way to have a smoother retirement. For some, this means retiring early.