My main thought is I should have retired earlier. Work causes a certain amount of stress for everyone, even people who enjoy their jobs. Stress can contribute to hypertension. I wouldn't work for ten more minutes if I thought it might be contributing to my vision loss. I would rather live in a box and eat Alpo than lose my eyesight. So I'm going to depart a bit from those who say don't retire with too little. I would just make it happen. Especially if you think you are close enough anyway.

You didn't mention if you are including Social Security in your calculations. Many people don't. But you should because you are close enough to collecting it that the government would never change benefits for something like you (and me too). There would be riots. The only exception might be for people who have high incomes in retirement who could see increased taxes on their benefit, but in that case you are golden. Especially if you can wait until 70, SS is great backstop.

One thing that wasn't clear is if your 2.5% withdrawal rate of your net worth includes your house. It should be your liquid net worth, unless you have some way to access equity in your house by doing something downsizing. If it is 2.5% of your liquid net worth, then you retire at end of the day today.

One thing to keep in mind about FIREcalc and such is that in most scenarios you wind up filthy rich at the end of period.

Retirement Investing FAQ

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