Left Megacorp at 49, (4 years ago) with good severance, went right back to work part time, I've been utilizing the severance for 4 years to supplement income. Husband is retired, with pension, has health insurance at 15% cost, which is very reasonable for entire family. I've been living low for the last few years and my husbands health is not great. I have 2 kids headed to college, one will do ROTC or Military academy, the other is going to do community college for 2 years, then state school. I have money saved for this outside of retirement. I love my part time job, not so much money, but it is very rewarding, something I lacked with 28 years in big business. I have 1.1 Mil in retirement accounts. I plan to work until I'm 60 and pick up a small 10 year pension from government job. I'm just tired of feeling like, I'm living too low, its depressing to me. I'd like to take 3k per month from age 54 to 59. I figure when I'm 70, I will have RMDs, I'd like to live better now, I think. I'm scared that my husband is going to be gone and I'm going to have my money, his pension and not him. We have very little left on our mortgage, we will definitely downsize, in the next few years. I'm just scared that the 72T will deplete me too quickly if the market crashes. I have a FP and I'm aware of the strictness of the 72 rules. Thoughts?
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