It is insane how much cash that the investment industry says you need for your retirement. Most of mine is in my principal residence, I know, this in not technically liquid or cash, but it is a lot of my net worth.

My plans are retiring someplace warm, sunny and more affordable, most likely another country at least part of the year that has a 30 - 40 % lower cost of living, I have talked to a lot of financial planners, and they don't even have formulas to take this lifestyle into account. They assume everybody is going to live in the same place they already are at.

While I am in this other country I am going to be earning Euro's and USD that the foreign exchange works out very favourably. Though I don't have a big cash float, my hope is that with public pensions from strong currency countries, living in a more affordable country and having cash flow from several "passive income" projects that I am building now for when I retire in about 5-6 years, that I will not have to touch the money I have, or access the real estate equity until I am in my 70's, and that is 20 more years of growth for me, even if I take my SSI early. A big bonus is that my wife has an indexed defined benefit public service pension, not many of those left.