I spent alot of time calculating retirement numbers this year in preparation of retiring in case the company forces people into the office (I’m way too safe about Covid)

Initially I had 10 percent in my spreadsheet for 401k performance, but changed to 9 percent recently. But this is for a very risky 401k, everything in equities, mostly sp500 index. And for that performance has been significantly better than 9 percent so I think that is a good number to use. I’ve been max out saver into 401K so the amount of money I have in there is probably too much so I can afford more risk. The RMD at age 72 is too high, thinking about t72 get money out faster later.

Until retirement age, plan is to start cashing out my brokerage accounts. Long time holder so percentage of gains that are long term are now 96 percent so its almost all tax free. So can start cashing out up to 80K at 3 percent CA tax and 0 percent fed. So the insanely low tax base will mitigate the significant reduction in income.