Just retired July 2019 at 62. Had been working with a financial adviser for many years. Built a new house in 2016 and still had a hefty mortage, but it was built into our financial plan. Based on what we had and what we spend each month, our adviser calculated we could over spend by $2200 each month every month and would still be good until age 95. Obviously there is no way we are going to over spend like that, but it's nice to know the cushion is there. Once we knew this, deciding to retire was easy.
