I’m **mid 40's, married and living in HCOL**, considering retirement or semi-retirement after leaving big tech (buyout offer and looming layoffs + burnout). I have to make a decision in the next few weeks about taking a buyout. FireProof and Fidelities tool both put us in the 75% success range and we're meeting with our financial planner next week to get his take, but I respect a lot of the folks here and would love your thoughts.

**Total:** ~$4.67M financial assets

**Home:** ~$1.2M estimated value/equity, mortgage-free, with plans to downsize around 2033–2034 to a LCOL/MCOL (bank the difference)

**401(k):** $1.21M in mixed pre-tax/Roth funds.

**Brokerage/cash:** $1.67M.

**Roth IRA:** $59K.

**HSA:** $69K.

**Deferred compensation:** $882K before tax, with distributions for about 5 years post separation.

**Inheritance:** $800k pre-tax coming within the next three years as some land sales are concluded.

No debt.

Annual household spending is approximately **$105K lean/required or $177K full…