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Ok I'm a slow learner but I just got wacked over the back of my head and I see the light. I am currently with Merrill with $530,000 in wife and my IRA's and as I head into ER I have really been going over all my expenses. I hardly ever trade stocks, I'm kinda of a buy mutual fund and hold type...

Hello all, yes I am obsessed about retiring early. I think about it morning, noon and night. I've checked out every retirement calculator, I've built my own calculators. I've done dozens of different budgets. They all say I can retire but I am suffering from the “just one more year” syndrome...