How much of a factor has life expectancy had on your FIRE decisions? Initially thought we had a pretty good plan. I'm RE and DW still has 5-6 yrs to get her yrs for SS in. Been thinking on this a lot lately and with a tougher than usual winter & past yr, the thought of 5-6 more rough winters isn't helping. Neither of our fam get much past 70 yo with many passing in their 60's. Both of us closing in on 50yo. Without SS, today if DW RE, we could go 30 yrs @ 3% wr which is more than what we are living off of now (with the exception that we get HC from her work). HC would probably make it a 4 % WR which would knock it down to 25 yrs. Still well past both our fam actual passing age. Additionally the possibility of our SS being taxed when/if we do make it to full retirement age makes one wonder it it's worth getting the full amount. In short, I'm questioning our initial plan!