Tentatively, I want to be gone by April 2, 2021, which is my 51st birthday. I just looked on a calendar, and that's a Friday. Financially, I think I'm already there. FireCalc gives me a good chance of success, even if I retired today. But, mentally I'm just not quite there yet. I think one of the biggest mental blocks is health insurance.
I could see one more year syndrome kicking in though, as that 4/2/21 date approaches. I think a lot of it will depend on how the stock market's doing. If it's too far down, or we're in a recession, I might be tempted to wait it out a bit. But if it's roaring along, hitting new peaks, I'm gone!
I know they say retiring at the peak of a market can be dangerous (such as 1966, 1973, etc), but in my case, that market peak would give me a lot of added cushion. It wouldn't be like I was retiring at a peak, with a 4% withdrawal rate and no margin for error. More like, I would have been able to retire earlier, but now have extra cushion, so I should be able to better weather any market downturns.