I found this site at such a good time. The posts here have been so inspiring. DH says we have enough. He has been retired for 4 years with a very reduced, modest pension. I so badly need to get done too, the stress is ruining my health. I found this site by reading something that was talking about the 25 rule of spending. So then I realized we were close. Then I realized in 4 years he will be able to collect SS and then we will have enough income to pay ALL the bills. So now that means the 25 rule is not the same. Right? Or do you still need that much? My pension & SS are still 10-13 years away which will more than cover us then with just SS & pensions alone, living frugally. So we really need to spend down to cover us for 4 years then we are covered unless something needs to be fixed or covered outside of the budget. Does this sound right or does everyone figure savings & investments outside of SS & pensions. It feels so finite and with both of us in our 50's it's the scariest thing I have ever contemplated. We are not rich compared to most and everyone's situation is different I know, but it seems like the numbers work. DH built a spread sheet and we will go backwards some, then a little, and in 10-13 years we are back totally recovered and coming ahead again. He is trying to convince me we should care less when we are 80, if we make it, and enjoy life now, as in stop working & spend savings. I know he is right but it's so scary. My mom & grandfather died mid fifty and I am so close to that and I feel I am running out of time. His dad lived to 90 and his mom is still going strong so he has good genes. We are totally debt free, own our home, & no kids. So why can't I see it? Thank you in advance for anyone who can give any perspective on this.
