<prompt> Human: Thank you in advance for your consideration.Im 58 now.At 62 I retire, and my plan is draw the SS 1,875mo, plus my 1,630mo pension. At 65 I will have an annuity kicking in at least 1,100mo life. I have a Whole life policy which I can take loan 100k which is tax free, and dont have to pay back... still leaves 125k life Ins for my 2 daughters to split. Divorced no SO. Home paid worth 85k - Frugal But In HCOL prop income tax, but it ought to sell fast being lower end 1st buyer. I Plan to relocate to FLA before 12022. Using home sale funds and the 100k loan to budget buy home. Currently have 12k emergency fund 1.5 savings. Next 3 years I suspect that will be 75k probably will CD ladder or after tax invest, for now this market just parking in the 1.5 savings. Already 2018 Ive 24,500 maxed in 401k which is currently at 550k was 100 equity but just shifted took profits - Yup Feb 2018 to 80 equities20 now in money market cash preservation. Hit it just at the near perfect time! What luck! I will add 3 more years 24.5k each 1st quarter annually or what ever max IRS allows before retire 62 bday in Nov 2021. So from 62 to 65 will have 42,000 annual. From 65 on will have 55,260 annual. Not to touching the 401k funds even yet ought to be 600k. So 3.5 SWR adds another 21k annually. My current salary 110k - and I easily live under 50k maxing out 401k. So I almost see salary equal in retirement to what I get as in the wallet spending now. Finally -Health insurance the big if? Right middle of healthy BMI height weight chart, waist belly 2-3 over inseam, sure seem very healthy, eat mostly right, never smoked, gave up drinking 8 years ago. Family history folks live to 80s. So of course the USA Health Insurance costs will be scary but not stoping me currently from this plan. Again thanks, seems all the reading I have done on many of these threads, while not exactly FIRE early sure seems 62 ought be do-able. That said is this a sound plan and or why isnt this a good plan?What am I missing or should consider?  <response>: Doesnt sound bad. Health insurance is always the big bummer, you should read on some of the FIRE blogs what some bloggers are doing to try to cut costs there. 