Hello - I am a newcomer to the ER organization. I am 53 years old and am planning to retire at the end of 2018. My annual spending is estimated to be $100,000 per year in retirement (includes health insurance costs - premiums and out-of-pocket - of $30k per year until I reach Medicare) My portfolio is $2,300,000 - $1,300,000 is invested in an individual investment account (after-tax) at 70% stock / 30% Bonds and $1,000,000 is invested in 401k/IRA accounts at 70% stock / 30% Bonds. I am planning for a 40 year retirement period. I am assuming Social Security payments will be $18,000 per year starting in 2027 - the only other income will come from investment performance. I have run these numbers thru FIRECalc and it gives me a 95% success rate. What I don't understand with FIRE is how it handles tax - for example, I will have to pay Fed Income tax on my 401K/IRA withdrawls, but don't see how to model this in the portfolio ? Can anyone run these numbers and validate? I am excited to join this community to share my experiences and learn from the many other members! All the best!!