[Seahawk]

Lots of excellent insight already written that I agree with so I won't repeat.

One interesting aspect of CV-19 is that I was able to get a really good handle on expenses working from home 70% of the time, expenses with kids out of the house and off all insurance, etc., and a good glimpse into a full retirement budget.

Because my wife's government health insurance is very good and will follow her into retirement (I am registered for Medicare but don't have to use it since her insurance covers me as well) a large expense is off the books for the foreseeable future.

No debt not covered by renters.

Removing farm expenses, I was surprised how little my wife and I actually spend steady state for food, utilities, phones, gas, insurance of all kinds, entertainment, internet connections, etc.

Our largest monthly expenses depending on the time of year is electricity. We have made adjustments in phone plans, car insurance (our miles driven are 1/2 of what they were), Direct TV plans, wireless, etc. and the saving are, with no noticeable decrease in overall capability, great.

My only real extravagance is I do a "walk about" everyday working from home to get out of the house; completely unnecessary but my wife works on classified programs and has to go to the SCIF at Pax 5 days a week: I need to get out of the house!

I don't know when I will retire/retire (I am 65) but it will involve all the activities I did when I was younger and still do now.