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Most of the basic information you need can come from records mostly in your checkbook.

What are your current living expenses and how do you expect them to change?

Don't forget that you will no longer be making contributions to retirement plans or IRA/Roth IRA (unless you plan to work a part time job etc for earned income).

Healthcare costs are one of the most difficult. Will your employer help? Medicare and Medicare Supplement or Medicare Advantage. You can get basic info and estimate future costs. But of course your health experience has to be considered. Also your life expectancy. These days many of us expect to see 90 or more. So you need a long term view.

You can probably get pension and Social Security info easily. If you have an IRA or 401K, many decide to defer Social Security until later and work down the IRA or 401K balance to reduce or eliminate RMDs at age 72. In return waiting gets you a better check from Social Security later. Personally I think this is controversial. But sit down with a calculator and see what works for you.

Once you have all your income and all your expenses down on paper, are your costs covered? Do you have income from other sources like investments, rental income, etc?

If you have investments and your income is a bit short, TMF usually will allow you to spend 4% of your investments per year toward those living expenses.

If the numbers don't work you can look into other ways to address the difference. Working part time, downsizing or moving somewhere less expensive are common ways.

Personally I would focus on covering your basic living expenses. Of course you will want to travel, take up hobbies like golf, and enjoy some of the better things. Your vehicle may need an update in a few years. In a good year all these things become possible. You want to cover your basic survival expenses in a bad year.

In your case, marriage suggests some significant adjustments. Best you can do is estimate them as best your can.

These are the basics. Rule your Retirement is TMF's premium board that addresses these issues. But a sharp pencil and a good calculator can get most of what you need.
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