[Nords]

Welcome to the board, getoutearly!

Quote:

Originally Posted by getoutearly Biggest issue is whether I can last in the workplace another ~ 5 yrs!* I'm pretty confident that if I can last to 50, I'll be set.* Question is how iffy is it if I can't make it that long..!

It sounds like the main reason you're planning to stay is the health insurance. If you can absorb the cost of buying your own health insurance and still ER on your current portfolio then you're FI and just awaiting the appropriate moment to ER. Sometimes knowing that you're FI is enough to endure the waiting. Other times it makes you speak up more often.

You can work through the 72(t) early withdrawal math at Intercst's website.

The ER now/later decision is even easier if you decide to let your kids shoulder more of the burden of their college educations. There are pros & cons for that issue and it's largely a personal choice-- or it's another potential chain to your cubicle.

Another option is part-time work as described in Bob Clyatt's book...