re: Am I early retirement ready? Updated

quote:

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300 Roth

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Holy hell man, how did you get $300k in a Roth's with a single military income by early 40s? You must have maxed them with $10-11k from the time you were 18? That's a huge portion of your income. You guys must live off like $40k a year?

I'm guessing your wife was working and stopped with your kids? Is your wife younger?

That's impressively done, well done!

Given all that, no way I'd "retire" or anywhere close until my house was paid off AND my kids college was paid off.

I'd look into teaching or get a cush military contractor job at least for 10-15 years. Something with almost no stress, great hours, and great vacation time. Maybe an NAF contract job or something?

ETA: Even if you don't "need" the money, making $25-30k a year is huge. You can fairly easily do that on 25-30 hours a week with a ton of vacation by being smart. 4-5 6 hour low stress shifts a week is very very easy. I mean your kids are in school anyway. That allows you to pay your mortgage, take multiple vacations, and put some more money to things like college or additional retirement.