> Is your house set to be paid off when you retire? The mortgage was included in your expenses based on how I read your post.

Yes it should be. We're 2 years into a 15 year mortgage that we're paying about $200/mo extra on. We're 11 years out from me being eligible for SS. My estimated payment if I opt for starting at 62 is a little over $2200/mo. My wife would kick in an extra $500.