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Published in association with the Joseph Rowntree Foundation, this report looks at the role of finances in decisions about early retirement. The report draws on in-depth interviews with people in the UK who have made an early move towards retirement. It makes a distinctive contribution to understanding their experiences, by looking at the importance of money along with other influences, including health and domestic circumstances. The report: sheds light on the relative importance of financial incentives in shaping retirement behavior; draws on individual life stories to paint a detailed picture of the diverse perspectives of people making early transitions to retirement; explores people's motivations, circumstances and experiences, identifying underlying rationales and explanations for behavior; and feeds into key current policy debates around the future of pensions, and the employment of older and disabled workers. (REPORT)