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If you are single and your current CoL is 50k, but in NY, I assume you can cut that CoL by relocating to any location that is more rural within reason. I could see you shaving off 10k between your current 180k mortgage payments, the gain from selling a 400k home and buying a very similar home...

I couldn’t think of a clever title so I just started rolling with the age and took it away. Hello all. I am 24 and from the mid-west. My portfolio consists of: 12k Roth 401k 7k High Yield Savings 6.5k Roth IRA 4k in 3 different Brokerage Accounts 1.5k in HSA Not relevant as I am not...

Wow! 30 years! Congrats on finally pulling the plug. There are a lot of calculators and formulas to go by and check yourself on how well off you are. Enjoyed reading your post but I felt a little sad when you said you felt like a lifetime was spent there. So true for so many...slave away...