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SEPP calculation with a 2.1% reasonable rate, starting at age 53, the max withdraw comes up to just $500 per year less than what I am doing now. That's just on the tIRA, not including ROTH.

I am not surprised. I have gamed out this early retirement every which way for 10 years! :) I really, really, wanted to retire, saving max 401k and max ROTH, including the catch-up beginning age 50. Anything extra went into taxable brokerage. I lived well below my means so it's not any hardship to do the same now.

A major part of the plan was the rental house. That was the biggest barrier to retiring... housing. I had a mortgage of $1700 per month on my residence and knew that could be a deal breaker. Bought the rental house at the height of the housing bust, very cheap. It sold for over $300k before and I bought it for $115k. It has gone up in value pretty good here in California, almost doubled. For $35k all told, down and everything, I have a great return and a low cost place to live.

Don't sweat the small stuff, I guess. It's just details that don't make a lot of difference now.
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