rescueme
Thinks s/he gets paid by the post
That's a harder question to answer for "the masses". I consider myself lucky to retire seven years before I expected to. For most on this forum, it would not be considered "ER". However for me, it was.I would also rather die with money than live without, but that's not really what I'm proposing. It's more, would you rather die with money having worked some (many?) additional years, or have worked less years and have less capital to work with in retirement. This less capital would of course necessitate a plan somewhat different than a 4% SWR one.
GM
Could I have retired in my 40's considering my assets, income, future income, and retirement expenses based upon what I know, and is actual fact, today?
Sure, but that was not a risk I was willing to take at the time. I'm ahead of my personal retirement goal/plan. Good enough - for me.
And yes, you could say I wor*ed "longer than required". So what (speaking only for myself). I exceeded my personal goal. If I could/should have retired earlier, it didn't make any difference to me.
I'm happy for my current time in life, regardless of the "what if's". To me, that's all that counts.
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