I've sold 2 1/3 homes and picked up 3 other homes since retirement, so I've had some unusually high expenses related to that.

I suspect that by the time I am 65 I will be able to live off of 45% of my final year's income.

We have downsized our home and are glad we did. It's amazing how much unnecessary junk you accumulate over the years when you have a lot of storage space.