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I started on the ER path at 49 but ended up working part time for Mega Corp 49-52. (I'm really glad I did too since that coincided with the prior market unpleasantness of 2000-2002). Then I fully ER'd at the end of 2002. The one area where my planning was completely off base was health care costs. I had assumed that since both my wife and myself were in very good health for our age that getting health insurance would be a snap. WRONG! I had very mild hypertension (under control with medication) My wife went to the doctor for a mild case of wrist discomfort which was diagnosed as mild carpal tunnel. Result - I couldn't buy individual health insurance for either of us at any price! Got turned down by all major health insurers in Oregon.
I ended up getting insurance under a group plan for the two us since we had started a small farm business. Lousy coverage ($5,000 individual deductible) for premiums of close to $800/ mo but better than nothing.
Things may be different in your state but at least in Oregon under current laws (I hope they change soon) health care insurance is a major problem. Make sure you factor this into your planning
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