Please do not ignore your healthcare costs. So many Boomers have gotten a shock at finding what healthcare actually costs when it is not subsidized by either an employer or the government!
When we were your age, we had about the same in savings as you have now. But we had the additional security of my spouse being eligible for a generous pension and retiree medical benefits. Without that, we would never been able to take the early retirement we planned.
One severe illness or critical injury can ruin an optimistic plan. When you are doing your own financial planning it is CRUCIAL that you consider all the scenarios, including the bad ones. Despite the market upheavals in 2008-2010, we were fine because we had always planned for the worst, not the best.
Many of our friends & family ridiculed us for buying LTC insurance in our mid-40's. But twenty years later they're all envious that we have that back-up security so the disability of one partner will not impoverish the other. My DH had a serious stroke only four years after we bought the insurance, so obviously we are big believers in buying it sooner rather than later, LOL.
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