Being forced to retire sooner than expected could deal your finances and mental health a blow. Here's what to do if retirement comes sooner than you'd like it to. Take stock of your options before making big decisionsIf you're forced into early retirement, your first instinct may be to panic. If your plan was to work until 67 but you're forced to retire at 64, filing for Social Security at that time could reduce your checks by 20%. Your retirement isn't a lost causeBeing forced into retirement sooner than expected can feel overwhelming, but it doesn't mean your senior years are doomed.