Is workload reduction worth it?

Many working people plan to reduce their workload or take their pensions early before reaching normal pensionable age. Prior to completing this step, those concerned often prepare budgets for their future costs of living, explore the question of which form this early drawing of pension assets should take (lump-sum withdrawal, ordinary pension or possibly a hybrid form) from a tax and financial perspective and whether there should be a graduated withdrawal of pillar 3a assets, if these are available. However, it is often not taken into account that a reduction or termination of employment can also have consequences with regard to social insurance law.