49 and also looking at 55 for retirement. Hopefully there are some better healthcare options than there are today in 2024 but either way I have a game plan. I know a lot of people who retire at 62+ who have had serious medical issues once they retired. I still have a lot of stuff I want to do and I want to be young/healthy enough to enjoy them.

A lot of my goals rely on the US economy continuing its long boom. A recession/depression and all bets are off.

Healthcare: My employer lets me continue my healthcare if I leave at 55 or later. Still pretty expensive ($1000 to $1500/mo.) but doable. By then, who knows what ACA is going to look like.

I'm a Financial Adviser so I have been planning for this for decades. I have multiple revenue streams and extreme diversification (including physical precious metals).

I can live pretty well on 5% of my savings per year until I hit my 60's and start drawing Social Security and a small pension I have. Through that time my portfolio is set to earn 6% per year (no Guarantee but who knows what laddered cd rates will look like in 5 years!). My mortgage will be fully paid 6 years early (about the time I turn 55) and I plan on downsizing the house/lifestyle for retirement. I don't buy NiB pinballs and I run my cars until they are just about dead. I also plan to keep my professional licenses and work part time or ramp up my part time business if necessary. I've tried to cover all the bases but sure, a layoff, health scare, recession or some unexpected situation could change my circumstances. That's why it's a plan, not a guarantee.