There’s not a single worker in this world who hasn’t dreamed of retiring and leaving the 9 to 5 life. For some, it’s just a fantasy. For others, it’s an obsession. But just like with all things, there are advantages and disadvantages when it comes to retirement.

You might be spending your mornings sipping on your favorite drink on the porch or playing golf with your golf buddies, but you will also have to forgo other things, some of which can never be replaced. On that note, here are five reasons you should consider retiring later than planned.