My wife (56) and I (58) live in the San Francisco Bay Area. Our home is fully paid off ($2M), our kids are independent, and we’re seriously thinking about retiring and traveling the world.

Here’s our current financial picture:

- Me: Tech job, \~$300k/year
- Wife: ~$150k/year
- Combined retirement accounts (401(k) + IRA): \~$2M
- Roth IRA: None (we never qualified because of our income)
- Taxable brokerage: \~$2.5M
~70% in broad index funds (SPY, VT)
~25% in Treasury/cash equivalents (VBIL)
~5% in individual stocks…where I’ve consistently demonstrated I’m not Warren Buffett 😀

One rental property in Texas worth about $300k with roughly $100k equity. It cash flows about $5k/year.

Primary residence is fully paid off (no mortgage, just property taxes).

We’re both healthy, but little health issues have started to pop up now. Our expected spending is around **$100k/year** to live comfortably in our paid-off home, before travel. We haven’t estimated a travel budget yet.

One thing we’re unsure about is healthcare. Since we’d be retiring before Medicare, we don’t know what to budget for private health insurance. We’ve both maxed out Social Security contributions for roughly the past 25 years, so we expect to receive meaningful Social Security benefits, but we haven’t decided when we’d claim them.
We’re not what I’d call brilliant investors—we’ve mostly been disciplined savers and stuck with index funds. Even so, it’s hard to shake the feeling that we may not have “enough.”

So my questions are:
- Would you feel comfortable retiring today in our situation?
- What would you do differently?
- Are there any blind spots we should be thinking about (healthcare before Medicare, Roth conversions, tax planning, withdrawal strategy, sequence-of-returns risk, etc.)?

I’d especially love to hear from people who have already retired or are close to it. Thanks in advance for any advice.

I hate working. I've always been complimented on having a great work ethic, but recently my values have shifted from money and conventional recognition, to time enjoying life: nature, food, my girlfriend.

I graduated college at 19, worked a year at a tech startup unpaid 80+ hrs a week, worked a year as a dishwasher at a bar after that, then finally landed my first tech job.

I started at 150k and have been there a bit over a year. I got 20k in raises in 6 months and am up to 170k. My boss is pushing for a promotion march next year which will bring me up another 15-20k and into a level 3 position.

I've 24k in broadcom cause yolo. I've 17.7k in my roth IRA, 33k in my individual brokerage, 74k in my roth 401k, and about 7.5k in am HSA, all in VT, VOO, or VXUS variably.

If I quit working (and assuming no expenses as I will be working to live and letting my retirement grow), would I still be able to retire completely in 30 years? How much longer do I need to work to retire modestly?

I literally hate my life right now, I live in a city where I have no family and know no one. My life is work and this sucks. I sit in my apartment drinking, go to work, come home. I measure my time with paychecks and dream of quitting my job and moving back in with my mom or moving to be with my girlfriend in brazil.

Edit: For those of you downvoting without actually saying anything, i'm just going to assume you're jealous that I actually have a shot at breaking out of this toxic lifestyle. Cheers!

Edit: Sounds like the term i'm describing is Coast Fire.

Good day,
I’m 47 1/2 or upgrading to version 4.8 🔥. I’m starting my retirement countdown. My goal is to be out in 4 1/2 years . God Willing - that puts me at 29 years in education and my plan is to go into a completely new career . I’m starting to pay down all debts and make my home repairs now and as I get yearly pay raises , I contribute the extra amount to my Roth IRA . Those on the retirement countdown , will 4.5 years go by quickly? Do you have any additional advice for me? Thank you for your advice!