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I mis-typed in my earlier response. Our investments have gone up 40% - not 400%.

For medical, I enrolled in the highest deductible plan I could find. We were both healthy and I just wanted catastrophic coverage which cost $500-550/month (1997 dollars). Then, the ACA came along - awesome deal for early retirees who have assets and not much income. When we first enrolled, our monthly premium was $100/month for a bronze plan. BUT, you do have to manage your AGI carefully.

IMO, the more important aspect of retirement to consider is what are you going to do and are you going to get paid. Even though I "retired" at 42, I kept working (part-time) at things I liked to do and on my terms. My compensation was 10-20% of what I earned before. Back then though, we had no debt and lived frugally - maybe $15,000/yr - in a small Minnesota town. I did not have to withdraw anything.

So, the withdrawal rate will be dependent on what you plan to spend, so develop a budget first. Then, you can figure out how much you have to earn (either through work or investing) or withdraw to make the money last.

Good Luck -
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