re: Is $1 million a lot of money in 2019?

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Have you priced decent health insurance for a current 60 year old?

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No, and another unique thing about my situation - on paper, my out-of-pocket health costs start to go down at 60.

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As an individual if you will have 2 pensions that are "guaranteed" at 60 (when can these pensions be drawn and are they inflation adjusted?) + SSI (let's just say pensions are taken at 60 and SSI later and pensions provide $35-40k current income and you have $1M in investments, that is a different story for a single person, although the tax impact of pensions, SSI, and tax deferred withdrawals could be expensive from a tax stand point.

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Unless things change drastically (I don't use the term lightly), the pensions are guaranteed at 60. I absolutely won't have the $1m by then and will still be in a mortgage.

However, having said that, retiring at 60 "on a whim" - should have me in the ballpark of $70k, with some adjustment for inflation, year-over-year.

My separate retirement fund should be in the $300k/$400k range at that point, with SS coming at 62 (or 67).

I'm absolutely planning to work until age 70. Those numbers jump to about $100k pension, maxxed SS, and closer to $1.5m to $1.75m - and, if all goes well, the mortgage should be retired by then (or nearly so).

But, as many of us know, a plan rarely survives direct contact with the enemy.