Thank you everyone for your insightful responses.
I know the income we need in retirement based on our current spending habits, which I've been tracking since joining this board.
For retirement planning, we have a bare bones budget and full budget that includes extensive travel. We can swing anywhere between the two depending on how our investments are doing. What I haven't done yet is a financial plan that will tell me specifically where the income will come from (I have a very small pension and we're retiring years before SS will kick in, so I have to determine the income flow).
So the "number" that I calculated in Firecalc is based on the travel included budget (both the bare bones and fully loaded budget includes $1k/month in healthcare costs which I won't know until closer to retirement if it's enough).
Our combined income today is sufficient to travel a lot. We're going to Hawaii in the fall for 15 days and to New Zealand next year, so we aren't waiting to retire to have fun.
And we know we want to retire together, so having one continuing working isn't an option. We plan to move across the country to an active adult community and already have so much on the to do list (playing cricket, learning bridge, joining a theater group, joining a pickleball league, blah, blah) that if one retired without the other we'd have to arm wrestle to see who has to stay in jail.
As I've been writing and thinking about the topic in-depth, I've just realized what I'm really afraid of. I don't want to become the money nag. Today, even though we put all of one income and part of the other into our investments, we still have enough money to do whatever we want within reason.
I'm worried that when we really do have to stick to a budget (and that twice yearly big *ss bonus no longer exists) that every time an Amazon box shows up at the door I'll get upset about yet another purchase.
WOW, what a eureka moment. And to think you guys helped me get to that realization for FREE! We now have something concrete we can talk through rather than "Lisa - there isn't enough money in the world that would make you feel comfortable"...which I have been told many times.