I'd like to ER in about 1-2 years at age 55-56 at which point we should have about $650K (401k, IRA) plus $100K real estate and $220K home equity. At that age, I could take early withdraw from my 401K. At 58+, I could also start using 2 non-COLA pensions although I'd like to postpone those some to get a somewhat higher rate. My DW is 8 years younger, and also has a non-COLA pension that is at minimum of 10 years away. What is really driving us is trying to get our mortgage paid off to minimize our post-ER expenses. We pay triple principal now and have some real estate we could sell in a couple of years to put towards that goal.
So, my various FireCalc (and other program) calculations keep putting me at being marginal based on what I expect our yearly expenses to be ($55K-$60K pre-tax). I do have a hobby/side business that I'll be pursuing that might provide enough income, but that is not assured. So, I keep coming back to minimizing expenses and the respones here are encouraging that.
The marginal nature of my calcualations is why I started this thread to see how well the various programs projected "reality".