Honestly my plan is to drive a school bus for the insurance. They only make about $16,500 to start with but that’s under the SS limit. Add that to making approximately $33k in SS gives you right at $50k a year. Then, if you’ve planned well with a 401k, you can draw 3%-4% of the interest, never touch the balance and still make a little money in the investment. If you’ve planned well retire with a 401k balance of $1.5M, a 3% draw will be $45k and a 4% draw will be $60k. So, you’ll either end up making $95k-$110k a year. A friend of mine drives a bus for the insurance and says it’s easy work. A couple hours in the morning, and a couple in the afternoon. Off every holiday, spring break week, Christmas you get 2 1/2 weeks. Off all summer. He said the counties are always begging people to drive due to short staffed. Once you hit the 65 mark, you can drop the job if you want and still make $80k-$95k a year on SS and 3%-4% draw. Those are pretty conservative numbers too, in my opinion.

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