age 40, married, 4 young kids
NW: 3.6mill
No debt, no mortgage
Expenses: $36k/year all in, includes health insurance, discretionary, lumpy expenses and able to dial back if needed
Pension:. 33k/year at age 65 or lump of $555k, deferral at 4% accrual/year thereafter. No cola
SS:. 26k/year
FIRE...