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For both of us, I've budgeted $68,000 for retirement. I somewhat naively figure that I can live on 1/2 of that, given a few small sacrifices. I would move into a smaller place, hence lower utilities, lower property taxes & insurance. I would only keep one car. There aren't too many categories that I couldn't cut in half or close to it. So, yeah, I think I could make do on around $35k if I needed to.
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