Curious why you need 120k in retirement with no mortgage on your primary.

25k for medical, 10k for cars is pretty rich, 5k on average for for home improvements.

That leaves 80k a year or $219/day. Easy to spend that while traveling in first world areas. $250/day of lux travel times 100 days a year comes to 25k. first class flights, 5k a year.

That then leaves 50k a year.

Your passive income likely will increase over time, even by my pessimistic assumptions for long term returns. Your medical expense will drop when you hit 65 and get medicare, and you will start getting I assume about 25k a year in social security, plus whatever your spouse gets.

I think both you and escoguy are making up reasons to delay retirement and continue working. The 120k requirement for you, the “let me deduct 30% from the value of my primary assets” for him.

I don’t mean to be judgmental with this observation, early retirement when you’re fit and have something to contribute is at least slightly immoral, so I see it as you all as inventing reasons that don’t seem to hold up to scrutiny to do the right thing morally.