1) If I were to take a 4% distribution annually (from funds/stocks that has been invested for over 2 years), what are my tax liabilities at the time of withdrawl? Do I still pay FICA, etc? Is my Federal tax capped at 20%? What about State (VA) taxes? Is there an advantage to getting a part-time job?2) If the 4% withdrawl is a good assumption and I have a $250K mortgage with annual payments of $30K, should I not pay off the mortgage (25 years left) since the $250K would only generate about $10K long term? This would allow me to withdraw less than 4% annually since my salary requirements would be reduced drastically. ....................Just a couple of thoughts: Any interest in moving to a less expensive cost of living area in a state with no income tax? Also, have you considered selling your house and moving into something smaller/less expensive. In general, I would think a few changes in lifestyle might help for early retirement.Having said that, how you spend your money and time is entirely your decision.Congrats on the ability to consider early retirement!Teresa
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