Retired a bit early in 2022 (55yo) and really enjoying free time with spouse, family, friends, sports/activities, investing & some domestic travel. Don’t miss the half hour commute, headaches and grind of career in the medical profession. I’ve found retirement (family of 4, 2 kids of school age) to honestly be more expensive than I had anticipated, esp. with inflation in recent years. Good news is that our equity assets are net ~45% higher given stock appreciation vs. 3.5 years ago. We live well but not “extra well” like many around us & we still have 20 years left on a 3.75% mortgage. We have used up most of the initial saved cash/MM and we are now simply trimming a few investments in taxable accounts every few months as needed to fund our everyday needs, lifestyle, kids tuition… I have found marketplace insurance options are ok at best. They are pretty costly and premiums have risen each year a good bit (nearly $2200/ month for a family of 4 with high deductible) and limited MD choices. Hope we all here can enjoy pretty good health to a ripe old age!

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