Dawg52
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Another thing I don't have to worry about, children. Don't have any.
Don't have any family either. No siblings, parents dead. Aunts and uncles dead. Cousins mostly dead or close. I was a late born only child. Wife dead.
Very happy to have a girlfriend -
So, not only did I not retire as early as possible (and stacked more cash as a result) I do not have dependents. Just Lucy the dog.
I've cried a lot of tears, had a lot of grief and felt a lot of pain. Now I'm gonna make myself smile as much as possible!
Similar with me. Parents, brother, aunts & uncles and some cousins gone. Never married. I do have nephews and a niece I see occasionally. One of my nephews has a son so I play the role of grandpa which is kind of cool.
My thinking is similar to yours on spending. I do pretty much what I want as long as the portfolio is holding up. I do have an itemize budget as a guide to live by, but don't track my expenses on a spreadsheet. But I have a pretty good feel how I'm doing. And I know whenever I do pull the lever on my SS checks, I will only need to pull 1-1.5% from my funds to live on. So like you, I'm pretty confident......even though I'm a wuss.