Hello! Soliciting input on retirement plan

[Golden sunsets]

I think you look golden. Congrats on surviving the RIF. You have been overly conservative in your estimates of spending, but that is a great way of ensuring that you will be fine in the drawdown phase.

I think there is a tab for lumpy expenses in Firecalc, so if you wish to recalculate your budget, with purchases periodically, rather than the lease method, using that tab for periodic lumpy expenses, would enable you to do that and recalculate your success rate. Also at some point, later in retirement, you may drop down to one vehicle. If it were me, I would replace one or both cars, before retirement, so that your first auto "withdrawal" is put off for several years. Same goes for other one time expenses, for your condo. Also, Note there may well be occasional special assessments, for things like new roof, exterior painting, road resurfacing, etc., especially living on a lake, where there may be extra wear and tear or water front amenities.

Also, I think that the suggestion to bulk out on After Tax accounts in the next four years is a good one. Either that or if your 401K has a Roth version, you could designate some portion of your and your DW's 401K contributions to be Roth rather than Qualified contributions. Beware though of the 5 year rule on W/D from Roths.