How to Retire Early Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts. Share | Related Content 18 Years Worth of Days The average retirement lasts for 18 years. Are you prepared to fill that many days? Traditional vs. Roth IRA One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.