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I've scanned back thru the posts, and I can't see anything that goes to my question... I'm 43 and have been investing heavily for a number of years. I was lucky and left a company and rolled my 401k to a brokered IRA account. The magic spreadsheet I created says at my average ROI I'm “done” in 4 years, quicker if I hit the last two-year average ROI. I'm assuming 5% inflation, a reduced ROI on the total of my account after retirement, and a 6% of total withdraw per year. I'm using 100% of my current salary as an income figure, since I'm young. I've checked the math, and it all correct.

My question is, other than the 10% Uncle Sugar penalty on earlier withdraw, am I missing something? While I started early, this seems too easy!

I'm considering a second career in teaching, so I'll even have supplemental income. The close I get, the more concerned I get I'm missing something. I'm starting to plan for my retirement location/home and all that. What advice do you have for puching out this early?

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