If question is for Ari, when can I retire? I am 52. My wife is 50. We want to retire August of 2029. My salary is 100,000. My wife salary is 139,000. She works for a school district. My simple IRA, I contribute 21,000 a year. My wife contributed to our 403B Roth, 32,500 a year. Her TRS3 plan is at 5% a month, which is $500 per month.

Our superhero account, we contribute $1,000 a month, and we both were backed out our Roth IRAs,

which is a total of $17,200 per month. My HFA has $15,000 in it. These are the balances. My wife's

VBA account has $35,000 in it. My wife's 403B has $96,000 in it. These are the balances. My wife's Vibah account has 35,000 in it. My wife's

403B has 96,000 in it. Her 403B Roth has 26,000 in it. Her TRF3 plan has 161,000. My 401k has

147,000. My IRA account has 152,000. My Roth IRA account has 170,000. My wife's Roth IRA has 133,000. We have about 227,000. My superhero account has 865,000. My checking account has 25,000. My wife will receive a pension of about $3,000 a month at 65.

We don't know when we're going to pick our Social Security yet.

And we own two homes.

They are both completely paid off.

Washington House is worth about $6.50 and our vacation home in Arizona is worth about $500.

We would love to retire at $10,000 per month.

And I would love to get any advice from you. And I appreciate you doing this. Hopefully I gave you everything you needed. Thank you very much. There's just one word I have for this person, tradeoffs. How bad do you want to retire early? This person said they want to retire at 52 and 50 in 2029. They have August. They have their month picked out. So they are ready to go.

That's something they do want to retire early. Now, I honestly don't care how much someone makes.

I do care how much they're saving. But when this person's explaining all their different accounts,

one, it's very difficult to understand, okay, is everything talking to each other? And I see this a lot

when people are wondering, okay, do I have the right investment mix? It's not necessarily, okay, is everything talking to each other? And I see this a lot when people are wondering,

okay, do I have the right investment mix? It's not necessarily, okay, stocks and bonds, but what do I

put in every account? We've got the 403B, we've got the V-Bo, we have Rothai rates, we have

superhero account, we have stocks. Now, I'm going to walk through how I would think through

this. Before we get started, this is a small snapshot of this person's situation. I don't know how much they want to leave behind. I don't know if they have kids. I don't know if they rather work longer so that they can keep their vacation home or if they'd rather retire earlier and sell that. There's so many different options and alternatives here. It's going to be fun, which is why I love doing this. So I'll walk through a typical certified financial planner planner, CFP, may consider it in a situation like this. But once again, this is not personalized financial advice. That's important. I'm Ari, host of the early retirement podcast. And if you'll retire early one day, aka not work forever, make sure to hit subscribe so you learn all the strategies. And hopefully you have fun watching. Call the number on your screen if you want to submit your situation, so I might respond in a future episode. That number is 213-316-8397. You can also see it on my screen wherever my brilliant editors put it. So I'd have a few questions before I would give any insights here. And obviously, this is never financial advice. But the first thing I would say, honestly,

and I'm laughing, is, hey, are you like enjoying life today? You're saving a lot of money.

Now, if you're like, hey, we're naturally people. We don't, we're not big spenders. We're not

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