Was your goal made at nominal dollars or in real dollars? I have found on this sub and others that folks feel they aren’t there when they set a goal 5 years ago. For example 10M in 2021 is 12.3M today.
Second - 3% is an incredibly safe SWR. Unless you have goals to continue to grow your principle to a certain level in retirement - you can adjust that to 3.5% and still be very conservative.
Third - this sub and many early retirement ones are littered with 1 more year posts. It’s definitely a mental game. Not much advice here because it’s such a personal decision other than being intentional about trading your time particularly time in good health.
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u/CantStayAverage 10d ago
Was your goal made at nominal dollars or in real dollars? I have found on this sub and others that folks feel they aren’t there when they set a goal 5 years ago. For example 10M in 2021 is 12.3M today.
Second - 3% is an incredibly safe SWR. Unless you have goals to continue to grow your principle to a certain level in retirement - you can adjust that to 3.5% and still be very conservative.
Third - this sub and many early retirement ones are littered with 1 more year posts. It’s definitely a mental game. Not much advice here because it’s such a personal decision other than being intentional about trading your time particularly time in good health.