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Thanks for your explanation. I understood your input better now.

Interesting..... If I haven't figured out what I will do after I RE, I will not RE. So that part has been taken care of. Also, If I feel that I want to continue on my current job, I will not RE. So that part is also considered already. About "unknown" and "midlife re-evaluation time \ save up"...

I did not mention that my spouse does not want to retire yet. She wants to work for at least 7 more years until son graduates from college. That will cover the health insurance for the whole family and half of the living cost until that time. These considerations are captured when I use...

Thank you for the suggestion. My spouse is planning to work until 2027 (until my son graduates from college). Therefore, we can cover son's health insurance at least until that time. I didn't check that link. My bad. I checked it now, and that does not change my numbers too much, except that I...

The numbers do make sense. The ACA subsidy covers 50% of the cost (based on my data on ACA website). However, given the unknown political environment, I will adjust my number to not considering the ACA subsidy. My spouse is planning to work until 2027 (until my son graduates from college)...

Plan to FIRE by the end of 2023 (3 more years) when I will be 46 years old. The following is my numbers. FireCalc gives me 100% success rate. However, I am afraid that I missed anything. It will be great to have the community’s help to double check my numbers. 43 years old, spouse 43 years old...