Took early retirement summer 2012. No problems finding things to do (writing, photography) but I am at a loss in terms of understanding if and how much to draw down (spend) from my savings. Being frugal and saving so much for 25 years is not an easy habit to break. So, I am hoping to absorb knowledge from this site on now much and how fast to spend my retirement savings. I can perhaps offer my meager wisdom on investing for those still planning for retirement, as I did pretty good over the past couple of decades-- no magic formula, just a lot of pre-tax and after tax savings, diversification, living frugal.