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Jaycee, I don't know if we will need to dip into this "other money". This will be our first time being retired, starting in Sept 2010. I have tracked our spending for the past year and we average $1000 month for personal living.This does not include Xmas presents or car repairs, but this...

Jaycee, You put too much value on a high income.I can outspend a high income just like the next person, but as I have "materially delayed gratification" myself for so long now (33 years in the work force), it is a way of life for me. My co workers are very envious of me. The thought of...

Success to me, is whether you have attained your goals. I didn't want to need to rely on a government pension, or work at paid employment until 65. In my definition..I succeeded.