As others have said, we could retire comfortably but for potential health care costs... unless of course we live too long.
But here's a rub. If we were to retire now, we could afford the insurance we could get without pre-existing conditions. If we wait until we have pre-existing conditions, we might not be able to get or might not be able to afford health insurance.
Hubby's worse fear is working until he dies or is not in good enough health to enjoy retirement. Mine is not having enough money.
What Bill said. Assumptions, assumptions.