When could you stop working?

In scenario A, employment income stops two years earlier, while the public pension starts on the same date. That extends the bridge period: savings, investments and the private pension must cover more months without a salary. Because money is withdrawn sooner, less capital also remains invested and generating returns. Net worth falls further during those years and, although both plans start growing again after 2042, the gap between them continues to widen. Working until 61 preserves more liquidity, puts less pressure on your resources and leaves a larger margin for unexpected expenses. That does not mean retiring at 59 is unworkable, but it makes the plan more dependent on investment returns and leaves less room to absorb weak market years, higher-than-expected inflation or a major expense. Before choosing, I would also compare how much cash remains available during the bridge, the withdrawals required each year and how the outcome changes if returns are slightly lower. That stress test would show whether 59 remains a reasonable option or whether working one or two years longer adds a safety margin worth keeping.