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Yes, there are 0, 50, and 100% survivor coverage options, and we're figuring the 50% will work best for us. Especially seeing as I'm the one who rides a motorcycle, jumps out of airplanes, etc. :)

Thanks all. Now the real anticipation begins!

Thanks -- this was a great help in formulating my original post and drawing me out of lurking mode. :)

Yes, it's a state pension with an annual increase.

Yes, the pension is taxable, and we factored needing to cover that into our budget.

Good question, and the short answer is yes. The long answer is, we fully overhauled the current house when we downsized, and I'm being a bit cagey by not mentioning a separate fund (another 2x in savings) that we'd plan to tap down the road for a travel trailer and truck replacement. That would...

Hoping for some advice from the gurus.... DW and I are psychologically ready to retire, and based on my calculations with FIRECalc and tools on fund sites, financially ready as well. But I'm concerned about any unknown unknowns. Our target date would be April 1, 2021. We would both be 59 1/2 at...