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Old 02-07-2012, 07:35 PM   #21
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Originally Posted by MooreBonds View Post
If you have any sort of longevity genes in your family (and if your health is average), because your portfolio is able to adequately fund your current expenses, I'd suggest holding off on drawing SS until as long as possible (age 70, if you can wait).
Unfortunately, I have the opposite problem. Both grandparents died in their 50s-60s, and my dad only made it to 70, and he never had a retirement of any kind. That's part of my motivation for retiring early. Tick-tock. Even so, point taken about delaying SS. I've got a few years before I have to make SS decisions, and will have a few years of ER under my belt at that point, so we'll see how the portfolio looks then.
Originally Posted by Midpack View Post
My DW is still enjoying her job, and she has not made dinner once in the last 7 months!
I can see myself doing this too. I cook most of our dinners now, and generally enjoy it. I just don't like having to start cooking first thing after coming in the door from work and commuting. So it should be easier on an ER pace.
Originally Posted by Animorph View Post
However, do make sure you have at least 2-3 years minimum of cash/short-term bonds that can cover you in that retirement worst-case scenario of a bear market just before/after you retire.
I agree. I've got two years in cash, and I think I'll add one more year to the cash cushion. That will increase my comfort level.

Thanks to everyone for the encouragement and suggestions. It's very helpful. I'm now thinking that I'll "go for it" sometime in March, after clearing up a few loose ends.

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Old 02-08-2012, 12:53 PM   #22
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Originally Posted by CitizenK View Post
I cook most of our dinners now, and generally enjoy it. I just don't like having to start cooking first thing after coming in the door from work and commuting. So it should be easier on an ER pace.
Leftovers are your friend! I make 6-8 or more servings most nights now, whereas we both made 2-4 servings when we were both working. We eat much better now, healthier and more inspired recipes and shopping is way more efficient now too!

No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
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