Given that you could very well live about another 40 years; and given that your two teenagers may very well need assistance with college; and getting launched afterwards; I would not even be thinking about semi retirement until After your children have finished college and have been successfully launched. 475K in deferred comp and 240 K in an IRA is impressive; but it is much easier to deplete those assets after you start drawing them down than it has been to accumulate them.
Given that you do not need to start taking RMD’s from your 401(k) until you turn 75; that gives you another 30 years for some MAD earning, and compounding vis-à-vis, that particular asset; hopefully it’s all in the fund that mirrors, the S&P 500. (That’s where the mad compounding comes in).
After your children finish college and get successfully launched; you might have the financial space to decelerate a little bit; but whatever, semi-retirement, you segue into; I would try to do so, in such a way to where you do not touch your 401(k) or your IRA until you have been long since retired.
Again, as a female; you probably have another 40 to 42 years, if not more on this planet and we all need to make sure we don’t run out of money before we run out of life. FWIW….
Don’t miss: I’m of the mindset that it’s better to pay off all debt before retirement, but I could be wrong
