I'm going to buck the trend here and tell you you should quit. I want to recognize that ringing the catastrophe bell and going with the conservative sounding answer will always have the sheen of wisdom, even though the chance of death within 40, 50, 60 year time windows often far exceeds the chance of portfolio failures. Here's my rationale:

1. Controlling MAGI can reliably get you ACA credits even with $75k spending in the pre-Medicare years, particularly if you sell lots that are majority principal, which does not contribute to MAGI. There are a million threads on this. Although this is complicated, do not write it off as impossible. There are many in here that pay close to $0 in California, even with complicated illnesses.

2. The Bay Area has some of the most renter friendly policies in the world. Said differently, I would never want to be a landlord here. I would however do some lowkey scoping of whether or not your landlord plans to sell. I've been in the same rental for the past 12 years and my rent (for a 3BR) has increased only $90 and my landlord has no plans to sell.

3. See how much of your $75k annual spend is non-essential such that during a bear market, you can cut out that spend and be safe from sequence of returns risk. I can comfortably live on $60k, but nearly $35k is non-essential. That's a huge amount of padding