@marcus_aurelius, I love your screen name! Congrats on building such an excellent stash. I once lived in the Bay Area, glad you enjoy it. Anyway:
In a few years (hopefully five), I would like to do something else. Maybe do a part-time job, leaving more time for reading, travel, playing guitar, etc.
In that case, I suggest measuring your actual spending and doing a fuller case study, at least to the point where you can calculate a FIRE timeline based on standard MMM assumptions.
Then use that data to explore FIRE calculators, like cFIREsim, under the various assumptions representing different scenarios such as "quit now", "work 3 more years", "will I qualify for ACA under such and such a retirement scenario using current law and what's my spend rate then", etc. You can calculate precisely instead of just guessing. Sure, all of these methods and calculators still have some guesses built into them, but your field of uncertainly shrinks greatly as your calculations grow more precise. Clearer understanding of your options will bring you peace of mind. Maybe you'll even conclude you can legitimately quit now.
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Regarding portfolio allocation, intelligent and well-grounded analysts can come to widely varying solutions, even when using the same objectives. One way to explore portfolios with less stock and possibly more cash (or at least more bonds) is to explore portfoliocharts.com. Thought-provoking examples there include the Permanent Portfolio, the Larry Portfolio, 7Twelve portfolio, Pinwheel Portfolio. I do recommend that some reading in order to understand tradeoffs is very worthwhile before implementing any such portfolio. Maybe consider exposing the proposal to review in its own thread, or exploring a similar thread on the Bogleheads forum... which by the way is a great place to get advice on investing details, though the default spending expectation there is higher than here (a matter of lifestyle choices, not portfolio allocation).
https://portfoliocharts.com/https://portfoliocharts.com/portfolio/my-portfolio/Note that you can put your own current portfolio allocation into the My Portfolio calculator above and determine how that allocation would have performed historically, using data from I think 1970 to today. That is not the same as predicting future results, of course!
https://portfoliocharts.com/portfolio/permanent-portfolio/https://portfoliocharts.com/portfolio/7twelve-portfolio/https://portfoliocharts.com/portfolio/larry-portfolio/https://portfoliocharts.com/portfolio/pinwheel-portfolio/I think you'll find that:
-most examples have less cash than you (because historically cash is terrible compared to stocks, bonds, real estate, and several other things);
-most portfolios include stock;
-anything with low stock includes something else that seems "crazy";
-every portfolio has investments that will suck at some point. In fact, most portfolios include something that will suck at EVERY point!
Here are the Bogleheads, by the way. A community of John Bogle fans.
https://www.bogleheads.org/And a sample thread, this one discussing the Larry Portfolio.
https://www.bogleheads.org/forum/viewtopic.php?t=210208So you'll have to figure out some course of action that you can stand to follow. The best portfolio for you isn't the one that some calculator says is best; it's the one that you can stick to under pressure, that's better than the other options you're able to stick to under pressure. Learn some more and discuss, probably. There's no perfect answer unless you're willing to just follow a confident reasonable suggestion... which if you were, you wouldn't be asking, because MMM already gave an answer. (It was basically "All stock, you'll be fine. Especially if you have Social Security as a backup, and your stock was at the 4% rule to start with.")
http://www.mrmoneymustache.com/2018/11/29/how-to-retire-forever-on-a-fixed-chunk-of-money/PS. If I should have skipped the portfolio section and just posted the MMM link, let me know...I gave all the other details, many of them nonstandard on this forum, because I assumed you had read and dismissed MMM's own thoughts. Which is fine, he's just a person - one of many who give reasonable but non-infallible advice. He's fallible just like me! :)