My wife and I are both 45 and looking to retire in 15 years. We currently contribute $20,000 annually to IRA/401k combos.
Our portfolio consists of index funds, Vanguard total market, International index, small cap value index and total bond index. Our AA is 80/20.
We have about 1.3M in our portfolio with no debt. We have about 2/3 of the portfolio in tax deferred, the rest in taxable.
We run firecalc and assume a withdrawal rate of $100k/year and inflation of 3.3% (to be safe). Firecalc states we should be ok, but I am wondering what the FIRE community thinks of our portfolio and goals. Is it realistic?
Any advice or critique is appreciated.