Um, $200,000 isn't enough. I'm near your age, with a similar nest egg, and I simply can't afford to pack it in. The property taxes, the car insurance, the health insurance, just eat it all up.I do not read the "Retire Early Home Page" board, but you ought to. My cyber-friend JAFO31 recommends this often, so it has to be worthwhile. That would be a free start. For more, you will have to go to a planner and spend a couple of hundred dollars for advice. If the advice includes variable annuities with insurance provisions, walk.