I’m 62 and not ready to retire, but over working full-time. How do I make sure I can afford to slash my hours?

I’m 62 and not ready to retire, but over working full-time. How do I make sure I can afford to slash my hours? Imagine this scenario: Tracey from Philadelphia is going on 62, and while her friends are talking about retirement, she’s not quite ready to walk off into her golden years just yet. She…