A prerequisite to retirement for me is having a paid off house, so that could fluctuate my net worth dramatically (do I live in a condo or custom home, somewher

A prerequisite to retirement for me is having a paid off house, so that could fluctuate my net worth dramatically (do I live in a condo or custom home, somewhere cheap or expensive etc). But in terms of liquid assets that would cover my expenses, $1.5 million in today's dollars with a 3.8% withdrawal rate. I am far enough away that the exact number is not very useful to calculate yet, so I am just throwing that out there.