At 42, Patiala-based Sonia Goyal is midway into her retirement plans. No, she is not going to retire at 84, she will be retiring in another eight years. “I plan to retire when I turn 50 and have been working towards it over the past seven years,” she says. In distant Gurugram, 26-year-old Abhinav Dhar has plans to take voluntary retirement between the age of 35 and 45. “The actual time of retirement will be a function of my financial health, satisfaction with a job and the opportunities that I’ve scoped out to keep myself engaged once I stop working fulltime,” he says.