Hello everyone. I have been reading these boards for several months and I think that I could retire right now if necessary. I have used FireCalc to figure my "safe withdraw rate" and that rate will give me more than Dory36's 33percent rule. It appears that I can retire on about half of what I had thought was needed. Firecalc and these message boards are a treasure trove of information for potential early retirees. Hopefully, I can make some solid contributions to these discussions. 8) 8)