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Thanks. I'm probably close. I just keep stashing tax free money in a hole and keep my head down. Plus I think I could wait for a little up tick in the economy in the next couple of years. My current job blows but is really no stress working at home

The only thing that confuses me with these estimators are they rely heavily on current salary. It'd be nice to continue to retire with something close to my salary but... Plus do you put a fully paid off house as assets?
When I say comprehensive, I mean comprehensive. There's a free 2 week trial. But it's taken me about 6 weeks just to learn the ins and outs. You set up optimistic and pessimistic values for everything. It calculates opt/avg/pess numbers for you. Obviously, one has to know their budget, SSi numbers, savings numbers, assets, etc. Highly recommend to poke at it for a couple weeks. Besides $120 for just 1 year to find out where one stands.... priceless. You don't need anywhere near where the money changers, aka Fidelity, says you need. There's a lot of good YouTube videos on the psychology of retirement, especially early retirement. Look up Joe Kuhn.

OT, still on coffefe
 
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Love this. Better than the OG
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This is my rankings of TH lo
4) Tewksbury - The clubhouse and landscaping is impressive. Probably better drafthouse than the Cape. However, your smack dab in 1950's suburbia before we put highways in. Clubhouse has many balconies and fire pits. Tiny parking lot but I've never had a problem.
Maybe I can talk work into sending me to Implant (semiconductor equipment) school again. We'd stay in Danvers but the class was in Gloucester. That was 25yrs ago tho...😲. Looks like I could hit a golf ball to there..or 2.
 
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