I am 59 and my wife is 62. She is retired and I still work. I am trying to figure out if I can retire. We have $4.6M - about 70% in retirement accounts. The asset allocation is about 70% (for both retirement and non-retirement accounts) in equities, 20% in bonds, and 10% in cash. Our house is paid for and we have no kids. We will put off SS till at least 66, perhaps longer, and I will draw the max or close to it. We spend about $70K/year and will have to pay for health insurance until age 65. Based on family histories, it is conceivable that we will both make it to our 90s. Thoughts on whether I can retire?