I retired at 55 in 2017 with a similar sized portfolio, which has since doubled. Our annual expenses were in the 120k range, but I’ve never tracked them closely.
Make sure you fully understand your income, as it will play a role in ACA insurance, if you go that route. Look at past tax returns and carve out your current employment income. If you can keep income below 400% of the federal poverty level ($84,600 for 2026), you’ll get a health subsidy to apply towards healthcare insurance premiums. Unsubsidized premiums for the cheapest high deductible Bronze plan can easily reach $35k/year, so it’s an important aspect of retiring prior to Medicare eligibility. Check your COBRA costs for the first 18 months - it may be cheaper if you don’t qualify for an ACA subsidy, or offer better coverage. If you can bank funds prior to ACA enrollment so that you can keep income lower, that can be helpful, recognizing that there may be tax implications if capital gains are involved.
Beyond navigating the health insurance quagmire, it’s a matter of budgeting and planning, I don’t use Firecalc, but that’s a good place to test your data to verify your situation. Others here can offer guidance. But your savings are substantial and I suspect that you are in good shape - congrats!
