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[quote=Anonymous]DH (62) may be retiring sooner than expected (he had planned to work until 65 or 67) so I have been running the numbers for various scenarios. I think we will be fine, assuming I continue to work to 62 (another 7 years), even though we are not in the 5m plus club like everyone else here.

DH makes 200k now.  If he retires next year, he will get around 4k/month in pension. I will hopefully continue my job (155k). We will supplement with 4% drawdown from our retirement funds. (1.8m in 401k, 200k in Roth, and 500k in mutual funds). We will go from 355 to about 285k, but should be fine, esp with DH not contributing to retirement (30k) and slightly lower taxes, and a little less spending on convenience and services that I hope DH can do now.

When Im 62, I'll retire and we will both get social security (about 7500 combined), I'll have a pension of about 2500 as well.

College is covered, kids probably have enough for grad if they do public.   We have about 700k in equity but a mortgage of 600k (at 3%). We live in a MCOL area and could easily downsize to a smaller house (was planning after the kids are off) and  not have a mortgage if needed. 
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