[brewer12345]

Quote:

Originally Posted by vl4226 Thanks Steve for the Reply. The biggest hurdle for me is the first 7 years. I'm more than fine from 62 to whenever. It's 55 to 62 that really is tough to figure. During that period I will have to take out more than the 4% rule. It will be more like 6% but after 62 it comes down to less than 4%. With the market the way it is my biggest fear is a major down turn the day after I pull the plug. I wish there was some financial caculator that takes into account early retirement (before ss and pensions) and then after. Good luck and thanks for the info

There is an easy portfolio solution: take wha you need to live on for each of the next 7 years and put it in a bond, CD or TIPS that matures in each of the next 7 yeats. Put the rest in a diversified, equity heavy portfolio and get on with life. Your next 7 years are assured.

But I suspect that the block here has more to do with what's in your head than whats in your portfolio.