I'm not as pessimistic as Khufu about your situation, but I think it would be wise to model out your situation using Quicken Lifetime Planner. 6% isn't an outrageous return assumption IMO. SInce you seem willing to adjust your lifestyle to fit your means you should be ok.
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.