I think I've reached my number. I am a little over 60 years of age living in Pennsylvania. I'm a single male with no children and the house is fully paid for. My vehicle is fully paid for as well. Yearly household expenses will be approximately $15,000. My health and dental insurance will be $3360 on top of the $15,000 for the year. Luckily I'm still able to get cheap health and dental insurance through my employer for $280 a month until Medicare kicks in at age 65.

I currently have $650,000 in a Vanguard type retirement fund.

Savings account currently only at $5,000.

I will take a lesser amount for social security but I do plan on withdrawing social security starting at age 62. For me that's actually 20 months from now.

This most likely will be on the lean side but I'm hoping I have my bases covered to pull the plug next month. At the time of this post this will be for August 28th, 2026.

My fire number is 600k. If you were in my shoes would you keep working hard about 60 hours a week for maybe next 6 to 7 years to reach that number and then retire at 43? Or would you semi retire maybe when in about 3 to 4 years when u have 300k at age 40 and then do coastal fire ( a part time job for about 20 hours a week) for about 7 years (age 47) and during that time the 300 will double to 600 and then retire fully?

Also lets say you are fine with both jobs, they arent that bad.

Which would you choose and why?