Take the retirement, find a career that you will enjoy, not just another job that you will hate going to every day. There are more important things than money - family and sanity especially.
I retired in September after 20 years with local/county government. I had planned on staying until at least 25, but wasn't happy with how things were going, and couldn't see doing another five weeks, much less five years.
I started a new career in October, doing something completely different and that I enjoy - something I more or less stumbled into, but it has been great! It doesn't pay as much, but combined with my retirement income it's a lot more than I was bringing home before, and the stress level is much, much lower.
