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.. I really want to live on $100K/year (my goal, after living on SO MUCH LESS for all these years to maximize savings), I should delay retirement until that is in the "safe" long-term range. On the other hand, $80K/year would be a substantial step up, & living expenses where we intend to retire will be a step down, so maybe I will bolt early. Ramble, ramble ramble......

You should really take a hard look at these numbers, they seem way high to me if they are in current dollars.

The problem is that while you may travel and party hard spending a lot in your early retirement years, but by the time you are in your 70's or so even if you are in good health, you will slow down and your spending will go way down until you medical expenses start to increase or you move into a nursing. I saw this with my parents who were living in a paid off house and had very few expenses other than food, utilities, and supplemental Medicare insurance policies for their mid-retirement years.

Greg
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