I was just on another retirement forum (sorry for the infidelity). A guy was asking the community if he could retire. He was 58, single, no kids. He had 2mm+ in investments and cash, 38k cola'ed pension and 30k SS 62, and expenses were 50k per year or 75k for outlandish living...his words. WTF? In whose universe would there be any doubt that one could retire with these numbers?