[quote=Doooh][quote=UCGal]I could not have considered retiring at the OPs age. Not without hitting the lottery or getting a big inheritance.[/quote]

Would you have consider it with a paid off house outside of So Cal, and a 1/2 million in the bank?[/quote]
I know I wouldn’t. $500k is definitely not enough to support 2 people for 50-60 years, especially when you have to pay for health insurance. If you say a paid off house and $5M in the bank, then totally.