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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP, you really need to reframe this scenario because the additional details you've shared show that it's not really about the inheritance.

Here is the fact pattern:
You have $10M in assets, are married, and are around 50 years old.
Your HHI is $500-700k/year and you plan to work an additional 10-15 years.
You've been saving $50k/year in a brokerage account, in addition to tax-advantaged saving for retirement.
Your parents are 80+ and you expect an inheritance.
 
Here is your question:
Given the facts above, can you spend the $50k/year instead of continuing to add savings to your brokerage?

And the answer is 100% yes.[/quote]

OP here - thanks for reframing.  other than we want to only work for 5-10 years this is the way to think about it.

Does retiring at 55-60 make the answer still 100%?

Because I do understand that if we keep working till 65 then i know we can spend the extra $50k.  It's really spending the $50k
AND retiring in 5-10 years.[/quote]

You have $10m in invested assets, with a NW of $12m.  You could retire tomorrow and start drawing down, and be completely fine.

JFC, OP.  [/quote]

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