a really conservative estimate says I may be ready to retire at age 51. An overly opptomistic projection says 31. As you might guess, a reasonable estimate says 40.

This is not full retirement, but it would allow me to replace my current spending with drawn funds. I would still be dependant upon some part time employment to provide or pay for health insurance, to allow me to add enough to keep up with any inflation, and to replenish any emergency expenses.