<prompt> Human: Ill be 47 this year and have a decent nest egg in an ESOP account averaging a rate of return of roughly 18. My ESOP would be paid out over a 10 year period while hopefully still averaging around 18 as I take disbursements. I would reinvest most 75 of the money from those disbursements for the first 5 years. Of note: I have two younger kids and a significant other to provide for. We actually live fairly frugally right now with over half of our 50K annual income going towards housingutilities. Outstanding debt aside from mortgage comes in at 20K. If we were to use the equity in the house we currently live in, we could potentially buy a smaller house with more property and use solar for most of our energy needs. If housing and and electricity costs were no longer a concern and debt were eliminated, would it be possible to live off 25K for approximately 5 years? What if I took double that amount 50K after the first 5 years and reinvested the other 50K each year? Which states are tax-retirement friendly for early retirees? How can I do this without the IRS taking a huge chunk of my nest egg? What kind of incomenest egg am I looking at down the road? Where should I reinvest the bulk of my initial disbursements? Help me come up with a realistic game plan. Any advice is appreciated even playing the Devils advocate. Thanks in advance for any and all helpful input.  <response>: It would be incredibly foolish to make retirement plans that rely on an 18 return over several years. It is simply not reasonable to expect that kind of sustained return. Putting that much of your retirement in a single stock is also a terrible idea. Just look at what happened to Enrons employees.So no, I dont think you have enough to retire. I think you really want to, and are trying to force the numbers to work so that you can. Once you actually have the money in place and are out of this incredibly aggressiverisky position, then see about retirement. Until then stop focusing on you and focus on the children who are depending on you to provide stability for them. Dont put them through a foreclosureeviction or cat food sandwiches because you were selfish and gambled on stocks to try and get out of work. 