What sort of buffer do you have?

[youbet]

That forecasted surplus is doing a good job of buying you a worry free retirement then.......

But "poorgeezer?" How about "securegeezer?"

BTW, welcome to the board!

 

[obgyn65]

I agree with this. And this is why I plan to continue to w*rk a few hours a weeks after I FIRE this year (my own buffers then will be to maintain a SWR < 4, keep my savings in CDs and bonds, and w*rk a few part time hours).

Right now "one more year" still makes a significant difference, but at some point we'll have a larger portfolio with fewer years to make it last and more money -- then "one more year" will make relatively little difference