Today was our follow up visit with our CFP. We saw him initially on 10/29 at which time we presented all of our information and discussed our plans and goals.

Today he reviewed the results of his analyses. He modeled several scenarios ranging from me retiring at 60 to retiring January 1, 2022. In all but one scenario, our projected success rate was 100%. In the one outlier, our success rate was "only" 99% so I think we could squeak by.

All of his projections assumed that I would have zero income after retirement, which isn't my plan. I anticipate dropping to per diem status and still working a few days per month for at least a few more years. At worst, if I work one weekend a month and nothing more, I'd earn at least $30,000/year. I also plan to do more online sales on ebay and Marketplace and have some money coming in that way, too. So his projections would look even better if you plug in that "post-retirement" income.

His projections also use a 4% rate of return from our portfolio. I certainly hope the long term return will be better than that. Even if it is 5%, that tips the scales even more in our favor.

Bottom line is that he thinks we're well positioned to succeed regardless of what I end up doing or when I end up retiring. I was pretty confident that that would be his conclusion, but it was nice to actually hear it stated.

I will be part time as of next Sunday, 11/28. I'm looking forward to seeing how that goes. I expect I'll find the work-life balance more to my liking and can stick with that for a while. Otherwise, we're set for me to cut back more if and when I decide it's time.

I just downloaded this week's paycheck. I contributed the final $740.78 needed to max my 401k at 26K for 2021. This is the third year I've done so. It's also possibly the last since as of 11/28 I will drop to part time. I don't think I'll be able to contribute that much going forward for however much longer I work (and the max rises for 2022).

Still, I'm happy to have been able to put in what I did. That account now stands at about $215,000 and I won't be touching it for at least a few more years so it can continue to grow. And even if I can't put in the max, I do want to keep contributing as much as I can for as long as I can.

I'm tired of working. I suppose more accurately I'm tired of never having enough time to do everything else I want and need to get done because I spend so much time working. House stuff, financial stuff, family stuff, medical stuff, car stuff, exercise, the list goes on and on. Even fluff like staying current on a Netflix show I'm watching or being able to take advantage of a special offer at a favorite restaurant. There just aren't enough hours in the day. So many people say they'd be bored if they retired. I say bring it on. I'm ready. My to-do list is a mile long.

Three weeks from yesterday I'll officially be part time at work, dropping from 36 hrs/wk to 24, from 4 days to 3 days. I'm hoping that having that extra day, those extra 12 hours each week will provide better balance and give me more time to do all the stuff that gets ignored or delayed now. If not, it will be time to very seriously plan cutting back to just per diem work and getting our finances in order to make sure that will work.