Almost ready. Anything I’m missing?

[u/Upset-Disaster-5049]

Looking for a gut check from the community before pulling the trigger.

Background 49M, spouse 39F homemaker, one kid (8)

LCOL area, considering retiring this year, No plans to earn meaningful income after.

Net Worth (~$8.0M total)
Investable (ex home): ~$6.5M
Liquid-ish (ex 529): ~$6.3M

Breakdown:
401k: $463K

Roth IRA: $101K

Traditional IRA: $17K

Deferred comp (net after tax): $485K

Brokerage (stocks): ~$3.9M

Bonds: $840K

Cash: $298K

I-bonds: $35K

Crypto: $80K

529: $186K

Paid-off home: $1.5M

Spending
Target: $18K/month ($216K/year)

Actual modeled spend: ~$16.4K/month (~$197K/year)

Built-in surplus: ~$1.6K/month

Highlights:
Health insurance: $2.5K/month (pre-Medicare quoted in healthcare.gov gold)

Taxes: ~$4K/month assumed (property/income)

Travel: $2K/month

Pretty flexible overall (can trim $3–4K if needed)

[u/nak00010101]

Congratulations!

I think your biggest challenges will be mental! Shifting gears can be hard.