Trawler: Retirement happens when you're financially able and emotionally ready - one day you will know, until then you're not ready. I don't think there's a silver bullet anyone can give you, you have to do the work to get your head around the emotional side too.
Despite all the articles & research, there isn't really even a "right" number - it's all what each individual is comfortable with, that can vary considerably. Some people are OK with 5% WR or more, others target 2% or even less - both are entirely legitimate.
May sound too simple, but I was financially able several years ago. But letting go of my career and thinking through what I planned to do in retirement (activities even more than spending) had to come before I was emotionally ready.
I announced about 6 weeks ago and I've slept like a baby every night since, my last day is 6/30. You'll know...
I lived near Columbus in the 90's, and loved it. I don't think most people realize how much the area has to offer (despite Ohio State, not a fan
), thought Columbus was once of the best kept secrets in the Midwest...