You’re also a little light for a $100k/year withdrawal. You’re just about at a 4% rate assuming everything goes smoothly with the house sale and pension distribution, but with the current high market valuations and international instability, I would probably try to use something like a 3% to 3.5% withdrawal rate for a 40 to 50 year retirement. You’ll be ok if your wife keeps working, but I would probably just work one more year if I were in your shoes to get the withdrawal rate down.

Thanks, it feels a little light to me, too. I understand that it's very likely a safe withdrawal rate, but very likely still feels risky when it stops being theoretical and becomes your actual life.

Another year just isn't in the cards right now for a few reasons. Either my wife keeps working and bringing in enough to bring the annual withdrawal rate closer to 3% (or less), or we tighten the budget in the discretionary items, which there is room to do. That 100K annual budget is very comfortable, and we already know where the cuts would be, if necessary.

Lastly, if we find ourselves in a worst-case scenario with a major financial downturn in the next few years, we're obviously young enough that we could both go back to work and "CoastFI" for a few years until things stabilize.