[Rich_in_Tampa]

Paddler, welcome. You've done a great job of saving and investing.

Under the right circumstances and assuming expenses are not extreme, it sounds like you might be OK. You can use FIrecalc to run various scenarios.

By way of caution, I would run it without including your real estate investments - they will surely pay off some day, but for now are pretty locked up in a terrible market -highly illiquid at best. Then there's tuition if your kids are college-bound. Maybe I missed it, but I didn't see your health insurance strategy, another peak expense if not provided for you after retirement.

At your age and with inflation predicted by many, I like the idea of semi-retirement to retain not only some income, but also a foot in the door if future "fuller" employment becomes adviseable. A lot can happen in 25 years that is out of your control, so the safety net is nice. But if you read Clyatt, you know that already.

So, overall, your picture sounds optimistic to me, with caution.

Good luck.