Newly retired at 51...

[RetiredHappy]

Thanks - FireCalc, Boldin, and my FA (fixed fee, not AUM) all say we are pretty much there in optimistic and average return scenarios. I struggle with self-doubt that I will not run out of money as I grew up with little money and it was stressful. Any tips appreciated.

Well, you need to run "below average" retruns scenario as opposed to optimistic and average return scenarios. Your portfolio needs to be able to survive below average returns scenario. If so, you will need to continue to work and accumulate.

 

[Diogenes]

• Favorite Books: Die with Zero (this is what put me over the edge to quit), Millionaire Next Door, Quit Like a Millionaire

Things I'm going to work on:

• Having the right retirement mindset with a routine and goals

Netternator, congratulations! A few points responding to the above-quoted:

1. Do you regard your investments as a means to an end? The "end" would be a fulfilling and amply-funded retirement. Or would you rather attend to the vitality and growth of your investments, throughout the remainder of your life?

2. As for "retirement mindset", is this something that you've been cultivating for years now, or is it a recent project, to be amplified now that you're actually retired?