If you're in your late 40s or 50s, you may be wondering if there is a way to retire early.
Nearly three out of 10 workers expect to retire before they're 65, according the Employee Benefit Research Institute. Unfortunately, many Americans are financially unprepared to retire at all.
A new survey finds 40 percent of baby boomers have nothing saved for retirement and 21 percent have less than $100,000 saved.
Read MoreLook who's retiring later
You don't want to just leave your retirement date to chance. Want to retire before your late 60s? Ramping up your savings is the first critical step. Then consider these three variables that could also impact when you'll be able to retire.