Hello all, I've been reading this forum for a few years and have decided to join. I'm a SWM age 52 with no debt whatsoever and have the usual assortment of stocks, mutual funds, bond funds, CDs and Matchbox cars as investments. Financially I believe I'm all set for ER as I could pay all the bills with a 3% return. I'd like to retire ASAP to escape from cubicle hell, but finding affordable health insurance is a concern (see my post in the Health and Early Retirement section).