This is wonderful. But where is your actual retirement payment calculations (401k, pension, etc)? Here are things I’d consider (you might have but I don’t see them in your post):
– healthcare: you’ll have to pay for your own healthcare unless you have that as a retirement benefit and it can be expensive like $800-1000/mo. So, account for that extra expense
– primary: I don’t care what anyone says, the rules, or the logic.
I believe a primary home being paid off is a prerequisite to retirement. So, pay that off however you can, use the payoff has your timeline to retire.
Wanna retire now, liquidate something and pay it, want to pay it off with the extra you have every month, cut your expenses down for two years and get it paid off and retire, etc.
Aside from those two things, I’d make sure to have all of your assets structured appropriately with an attorney. As you age heath will as well.
If you had a health event and needed rehab for more than 30 days Medicare will not pay until after you’ve used all your money and assets.
And they have a 5 year review called a “5yr look back“ so make sure those you have a trust or multiple trusts that own everything and it’s not in your name (properties, bank accounts, vehicles, etc).
After 5 years if something happens they cannot count those against your income/assets. So now is the time to do that.
I can think of a lot more things to consider but these are the bigger points
