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Thank you all for the replies. I guess that if 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...

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