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Forgot to mention...my previous home was on about a 1/3 acre...while most of my neighbors had someone do their lawns...I just could not see paying someone to mow. Like others have mentioned...I did enjoy the zen experience.

Downsized to a patio home last year...nice to be done with the mowing, triming and blowing in 30 minutes.

Based on the fidelity calculator I need to work 5 more years past 55! How is it so different than Firecalc?

I picked up the book "Your Money or Your Life" at the local library 13 years ago. Ever since I have been working towards ER.

I grew up in the midwest and moved to Texas in 1976...was transferred to Chicago...then Detroit for a year each in 1997-1999...my family and I realized there is no place like the south...I was lucky to be able to transfer back to Houston. I sure did not like getting up at 4:00AM to shovel my...

Thanks for the info!

It does not cost anything to rebalance my 401k...how often should I do it?

I work in the financial services industry...and blood and urine tests are required for all policies that we sell.

Thanks for the info!

Plan to retire in 3 years at age 55. Will have about 600K in Profit Sharing. I would like to take 100K to pay off my mortgage. Can I do that without getting the 10% penalty for early withdrawl plus take payments on the remaining amount via 72t. Thanks, Rollie

52...going for ER at 55

Congratulations Al...I am 3 1/2 years behind you...you are an inspiration!

Thank you all for the great feedback. My DW does not have a pension plan or profit sharing...she had a full time job raising our kids...now working just part-time. So we are counting on my company pension and profit sharing. I requested a SS estimate with me retiring at 55...the est. is...

What is everyone's opion on takeing a lump sum vs. pension. My dilema is that a lump sum payout (base on a 30 yr tres. rate of 6%) is $650K...my joint annuity option is $3674/mo. No inflation rider on it. At 4% SWR. my lump sum will deliver $2166/mo. I am currently 52...going for 55 ER. I have...

I have used Financial Engines and it gives me a 95% + success rate. Not sure if they use the same FIRE Calcs...I know it uses the Monte Carlo formula. Thanks, Rollie

I plan to retire at 55 1/2...Dec 31, 2009...wife will be 51.  Should have $550K in 401K...Pension...I could take a lump sum (now projected at $735K) or a joint annuity option of $3700/month (not indexed to inflation).  Will not have any debt.  Have about $40K in mutual funds. Last child will be...

Any experience on living outside the US in retirment? Will be retiring at 55 in 4 years and plan to try living in Central American for 3-4 months at a time then returning to the States. If this goes well will branch out to other parts of the world. Anyone doing this now? Thanks for the feedback...