Originally Posted by SunnyOne
I think this is the key point...trying to mentally stick it out for 3 more years for healthcare, since I really want to retire sooner.
Hi Sunny One and welcome to this forum. I had to wait until I turned 62 to retire and get the retirement health benefits. My Fed Employee's BC/BS Basic (Self+1) is $356/mo. Yours will be much less.
I worked part time federal employee from my home starting at age 55. Are there part time possibilities available that would make the 3 years more bearable?
Did you have any military service time? I was able to buy mine (very inexpensively) back based on service time from 1973 to 1975. If so, you can buy back at any time before retirement. The sooner the better. May take 2-3 months.
Do you participate in the TSP Roth 401K? If so, convert to Roth IRA. They force RMD's at age 70 1/2.
Do you have access to Financial Engines or any other monte carlo simulator to compare with FireCalc? I use it just for a second opinion.
Congrats on the savings and planning that you have done.