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[quote=Anonymous][quote=Anonymous][quote=Anonymous]So, does this sound like a reasonable plan? What else can I do now? I feel like I’m already stretched. Rarely eat out, don’t spend $$ on clothes, vacations are infrequent, low budget, usually to visit family. Kids dad helps pay for their sports and activities above and beyond child support, but I’m still stretched thin.[/quote]

You need way more details--what is your current income and spending level--not just "I don't feel like I spend much" but what you actually spend.  If you are stretched thin on your income, you're going to be stretched even more thin on your retirement income.  100k will safely produce 3.5k/yr inflation adjusted for your retirement period.  So that will be 290/mo pre-tax.  Add in your pension and social security and that's what you have to live on including all your growing health care needs/expenses and costs of insurance.  I would definitely not retire under these conditions, but you have to do the math and assess it for yourself.  And don't have magical thinking about a LCOLA--there are very often more costs than you anticipate--including having to drive a lot more to get to basic conveniences, fewer healthcare providers so needing to travel/stay elsewhere for medical procedures.

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OP will be eligible for FEHBP so health care costs should be reasonable (there are some good options to mesh with medicare part B).

Agree the way to figure this out is figure out actual expenses, but offhand if OP has a paid off house, 22% of their salary and social security will cover a lot in a LCOL area.[/quote]

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