Congratulations! If you don't mind me piling on, I have a question I think many of us have about what I call the "gap period." (maybe other people call it that too and is why I use that term, but anywho...)
The Gap period for me is the time after you stop earning income until you can take 401k Withdrawals. For my question I'm assuming your retirement is all 401k, just for clarity of the issue.
If you have 1.4 million, with 40% in taxable accounts at $560,000, and $840,000 in 401ks, the good news is that in 20 years at a conservative growth rate you'll have almost 3,000,000 in the 401k. BUT in the meantime, you only have access to 560K. A 4% SWR means 22,000 a year, but come 59 1/2 years of age, you don't need to have any of it left.
Is the plan to tap the 560K principal throughout the 20 years as you near 401k withdrawals? I know you've got your spouse's income, but I'm sure you've done a worst case scenario. It seems like a $4000 a month withdrawal off 560K would last most of the way to 401k age, but wanted to know if that was the actual plan or not.