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Op, you fibbed on your introduction. That brain is not disorganized.
And I'm trying now to figure out exactly what the problem is? ? He seems to have a formula for consistently beating the market and can time the market tov avoid down turns. I'd think figuring out if they could retire would be simple?
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__________________ My darling girl, when are you going to realize that being "normal" is not necessarily a virtue? it sometimes rather denotes a lack of courage~Aunt Francis
Based on your intro, low expenses, and your knowledge about ins and outs of ACA and stock market, you're more than set to retire now. If something doesn't work out over the next few years, SS will kick in and cover the shortage.
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