I’ve been doing a lot of thinking about how I may end up perpetually in OMY syndrome. Those close to retirement or fully retired, can you share what you decided and how it has impacted your life?

I’ve built a model where I’m fairly pessimistic and it works out that I can retire in a decade. My floor is basically Japan since 1990 and includes the initial 43% one year crash on the year of my retirement. My ceiling is 9.5% nominal over the next 40-ish years. I seem to survive both models, though obviously with very different lifestyle accommodations.

Somehow still, I’ve decided that maybe just do 15 instead and feel really safe. I really want to avoid dying with $5M with no heirs, but I’m stuck in the accumulation mindset and nothing feels like enough. I’m even planning my projected spend in retirement as 3x what my current spend is for some strange reason. My current savings rate is 44% of my gross and my spend is 30%.…