Hi all -
I've been lurking here for awhile, and finally decided to sign up and join the conversation. Through a combination of hard w*rk, careful planning, and more than a little good luck, DW and I are now blessed with a comfortable retirement. (I retired for the third, and almost certainly last, time at the end of 2016.)
I've played with FIREcalc a bit, and was happy to find, as expected, that our assets and other income are sufficient to cover our expected spending under nearly every scenario envisioned. (OTOH, that's what our financial planner told us when we retired for the first time in 2007, and that didn't work out so well ...).
My primary focus right now is to optimize the timing of Social Security and IRA withdrawals, minimizing taxes and IRMAA, etc. We decided years ago to hold off on SS until FRA (66 for us), partly because I continued w*rking until almost 64, and also because DW is among the last to be grandfathered into the file-and-restrict option, which we plan to take advantage of. We had also assumed that we would hold off on IRA withdrawals until RMDs kick in at 70.5, but now I'm playing with the possibility of taking some withdrawals between now and then to minimize taxes by leveling income to some extent. It's a tricky spreadsheet exercise so far, but I see a number of threads on these topics here, so I have some reading to do.
I'm impressed with the retirement knowledge assembled here, so I look forward to learning a lot! And if I think I can contribute something useful to the conversation from time to time, I might try.