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[quote=Anonymous]Ok, so let's say you have health insurance/expenses costs 50k/year (aiming high here to account for volatility) for the next 6 years until you're 65 and qualify for Medicare.  300k. Set that aside.

If you consider 3,300,000 as the remainder of your portfolio, and your annual spending not including that to be 120K (to account for taxes) firecalc suggests that you have greater than 93% chance of sustaining that until you're 100+ retiring now.
That leaves a 200k emergency fund to cover whatever else.

So it seems to me that you *could* do this--but the numbers are close enough that you want to do a careful analysis and/or be willing to reduce spending if you're off in your accounting. What are your actual taxes? What will the cost of Medicare be when you retire? Also, in the early years of retirement annual spending on travel/eating out etc might increase, but that tends to trickle off in later years. I would say to your financial planner, this is what we want to do--how can we make it work rather than 'can we do this?'.  Because the safest answer--and the one that often gives the planner more money--is to wait--but it's not always best for life.  Your listing of worries seemed to be pretty fear-filled rather than totally rational.

I do think your husband who has to put in the grueling hours gets to decide that he doesn't want to do it anymore--(I couldn't tell from your post if you're mainly the one with the "security" concerns). Both of you could look for easier work options--even though you've been out of the workforce--you should try in earnest rather than just assuming he's the one to keep working if the numbers don't work. If he needs to stop, and you want more financial security, you can look for work. You just need something that will give you health insurance for another year or so.  Also, can he discreetly review phased retirement options at his workplace--or ask directly once he's sure he's going to retire?  Some people negotiate staying on the health insurance rolls via consulting or the like and many places have more formal slow reductions.

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