It took 10 years longer than we had hoped but finally retired last week! At 3%WR 72K yr.We'll start some travel in 5 Months & know we'll spend it all.Before then we're going to see if we can live on 1500 mo +health ins.I think it"s very doable but we'll keep tract of all expenses & see how it goes.We're in a low cost area with very low property taxes.If we can do it without hardship it will give us confidence that even if investments really crater we'll do OK. We'll keep you posted.