[Evans, Marv]

A couple of people have made good comments, "especially recycled sixty" and "dan88911" I've been retired a little over 10 years and agree with them. It's important project your income as far into the future as you suspect you might live. Retiring all debt and getting a handle on frivolous and impulsive monthly spending is super important. You will find all that crap you are spending your $5 grand on monthly will add up to a lot of junk you will not use or have to get rid of sometime. I've got a lot of crap I'm getting rid of and I can tell you it takes up time you'd rather spend doing other things. You will want to simplify your life and possessions because you just won't want to fool with a mountain of crap you don't use on a regular basis. Identify all the things that will increase in cost over the years and figure those projections in (taxes, etc.) Decide what you will want in the way of replaceable things and amortize that into your calculations. Notice "recycled sixty" bought three cars over an approximate ten year period, which would be an average of about $6,500/yr. Car and that sort of buying is up to your discression Try to identify all those sorts of things. What about major health problems or the need for long term care? Down here those can be major budget changers. It could be a long discussion, because things will keep coming to mind. You might start beforehand listing things and ideas you will or won't want to incorporate into your retirement. Another thing is - life goes on with it's static things and changing things.