A detailed monthly budget in a spreadsheet is all you need to make a retirement decision. But there are a few unknowables that will affect things. Most importan

A detailed monthly budget in a spreadsheet is all you need to make a retirement decision. But there are a few unknowables that will affect things. Most important are future inflation, major medical expenses (at least until you are covered by medicare), and elderly care expenses. If you don't own your home, future rent increases may be trouble. Will you be receiving an inheritance? Where do you want to live? Most people would like to live near their grandchildren if any, at least for a major part of the year. How active will you be and do you plan to travel? You can make great economy by taking virtual trips on the internet or TV. Take a tour of all your local Italian restaurants instead of a tour of Italy.