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Partial question: I currently earn 127K/year and spend about 70K/year. When I retire at 60 I expect to have 53,200/year from a taxable pension, and 5 years later, at age 65 this will increase to a total of 95,200 when my second pension begins. The pensions do get COLA’s. I currently have about 230K in a pre-tax account that I have decided to no longer contribute to. Instead I have started contributing 800/mo to my company’s new Roth option. I also have a Roth IRA with about 60K, contributing 665/mo and will be maxing out every year for the rest of my working years. I estimate that I will have about 460K pretax and 362K in Roth accounts when I retire in 10 years at age 60. I also have a brokerage of about 50K. I estimate needing about 1000/mo at 60 to cover my medical premiums. I estimate my needed income at retirement at about 130K in future dollars (assuming 3% inflation/year), during my first 5 years of retirement. That would be reduced around age 65 when I can qualify for Medicare and pay off my home an the second part of my pension income will begin. I will have my home paid off at age 66. I’m not really sure when I will take social security and don’t usually factor it into my plan, though I do qualify and if I remember correctly the estimates I have gotten from the SS website indicate around 3000 a month at 67. Do you believe that my estimates above make sense and if this looks like a “solid” plan for retirement. Does it appear, based on what we know, that my estimated retirement account savings is going to be enough to bridge the 5 year gap from 60 to 65? Are you seeing any problems with the way I am thinking about and estimating my needs? Would you feel comfortable retiring at age 60 if you had the same/similar circumstances?

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