Re: Need Advice - Where to put $$$ in ER?
Hi, snowbird. You omitted a few facts, without which it is hard to advise: annual expenses and annual pension income--and when do you start collecting it. Also, will your wife have right of survivorship? Will your company pay $7500/year toward your health insurance forever, to age 65, or ? Will your wife inherit that (or half that)?
Since you plan to pull 4% ($30k) from your tax-deferred account even though you'll be working part-time, I assume you aren't collecting your pension immediately upon retirement. Good idea to pad the Roths and taxable savings by working part-time. You probably noticed that supporting two homes in retirement can be a financial challenge. You might find that it's cheaper to rent in one of the locations--I know several people who do that.
Have you tried plugging your numbers into FIRECalc on this web site?
You can't always get what you want, but if you try sometimes, you might find you get what you need.