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Wow everyone, This is better than I had hoped for. I will try to answer the questions from all the above posts. Flat market - we can live with a flat market but the vacations go out the window and we will need to be more conservative spending than we want. If the market goes down and drags...

Hello from Tokyo, I am a Tokyo expat planning on returning to Colorado Springs, after 3 years here, to retire in July 2010 when I will be 54.5 years old. My wife and I are getting nervous now that we are FI. 3 things worry me - 1 flat market from here in my early years of retirement, 2...