Subject: Re: Most real life retirees don't take 4%
We've been on 7 cruises, so there's definitely appeal there. If I booked something without consulting her...well, that wouldn't go well ;-)

I'm frugal...she's 3 standard deviations frugal, which is both a feature and a bug.

We're actually trying to keep things low key as if the conditions are right, which are [Insert Things That Aren't Right Currently], we are moving to Hawai'i island, which will take care of that peskity not spending enough problem. Probably 3-ish years from now.