Smartest:1) Set a before retirement budget and an after retirement budget.2) No debt except mortgage and accelerate that if possible.3) Replace items and pay cash. (i.e. "toys", roof, landscaping, etc.)4) Ditto on the "inflation-indexed pension" for both of us.5) Retired early with ability to work again if needed.Dumbest:1) Could have put more bucks aside.2) Didn't realize how much health insurance would rise each yr.
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