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I think so, but what HE (and his wife) thinks is what really matters. Which can be affected by what he thinks he'd like to do post-retirement.

At age 45, a lot of his withdrawals from those investment accounts will be taxable as ordinary income. And he'll have to pay his own medical-care insurance. Some of his current regular expenses will go down... he may adopt new regular expenses to replace them, or may not.

So as a first guess, he needs to at least come close to all of his current income. He'll have an initial withdrawal rate of probably between 3% and 3.5%. According to the calculator at the historically 100% safe withdrawal rate for a 50-year time frame is 3.28% (and the median balance after 50 years is over 16 times the starting balance...)

He would like a passive income of about 15k a month or about 150K a year

I will admit that this 10-month year worries me...
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