[Oyk]

I have considered early retirement many times even in my early 50s because I have set aside enough to do so, but I am hesitant to give up on my current salary, human interaction at the office as well as fear boredom and cognitive decline from inactivity.   

If your salary is good, it's natural to want to continue to earn it.

If your place of work is still hokay, the human interaction may be a psychological income for you. 

However there are peepur who are stuck in a toxic work environment but hang on because they need the salary and cannot find another job that pays them the same due to their age... it may not look good to write a resume with "15 years in ABC company as a so and so" which may be perceived by the recruiter as someone who is too entrenched in some old ways of doing things, stubborn and not easy to.. yes, handle.

If you are worried about cognitive decline, you can always keep your mind (and body) working by doing volunteer work.