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Recognizing the risk of premature death or chronic illness, no one can rule out either one entirely, We are taking the lead from threads here on death risk and fulltimer lifestyles as something very attractive. We will keep S+B and spend 4-6 months each in RV and townhome. Debt free at 62. SS at 62 Budget padded and adj for inflation. Inc health insurance and out of pocket. No pensions. Savings invested in Roth, Muni Funds, Trad/Tax Def Plans. 80% CD, US Treasury, St Bond. 20%Stock/Bal Fund. Expected rate of return (average) 2.8% for 5 years, then bumped up to 3.3%.(rising rate environment). No income tax from 62 on after sale of business, office building ,and 2nd home. No kids. 11 nieces and nephews all lined up to inherit big bucks from parents and grandparents. Mental adjustment to taking SS early (big cut) and spending down assets currently in progress. Want to spend more time RVing and snowbirding. S+B ideal, paid for, updated, HOA minimal maintenance. Lock up and go. Neighbor brings in mail. Simplisafe monitor from phone Inc temp. July 1 2023 target early retirement date. We have been self employed, no pensions. Healthcare (assuming they don't change it) is factored into existing programs. Can't see any reason to keep working after 62. Getting sick of doing taxes (30 years). Household budget will be 6K monthly. No income tax, that is one of the goals ...not pay income and SE taxes anymore. Have been paying big income + SE taxes for many years. There is hope for the self-employed!