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I'm going to pull the plug at 54 or 55. Been doing a lot of planning and have researched extensively. The ACA is a game changer. Until recently, if you kept your income below 400% of federal poverty level, you get a tax subsidy to offset your premiums. Where I live east of Sacramento, 400% of FPL is 84K a year for family of 3. The COVID relief bill sweetens the formula a bit. Your premiums are capped at 8.5% of MAGI for a Silver plan. We were prepared to spend 24K a year in premiums, but if we keep our MAGI at 100k, 8500 bucks is a lot easier pill to swallow. And first 80K in LTCG is tax free. I'm totally on board the FIRE wagon, I just have to dial back the spending a bit.
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