I think retirement is a pipe dream...

I hope so.

MBR just informed me that I'll need to apply for Medicare in November even if I am still working. Which I will be. For a long time.

I did take a look at monthly expenses and even with my current mortgage, I could probably do it for around $6k/month. Less, if I am more frugal. But the issue with that is utilities (we had a ridiculous rate hike late last year), groceries and other things will not hold steady. If I am spending $300 on groceries now, what will that be 5 or 10 years from now?
exactly. natural gas/electricity/water/groceries is a wildcard

then just regular maintenance on a house. i'm always doing something around the house. gotta plan to buy a potential new roof or something.

so many questions. i have a pretty good 5 year plan, if nothing major happens, so trying to plan my 10 year. i'm constantly planning stuff it seems.