David, I've been retired for fourteen years, this is the best retirement advice I've read. I always read these articles to double check my own course and find out what's being advised. A lot of hesitation is based on "How much do I need?" This is often blown out of proportion. 70% is probably a good rule of thumb. A sizable mortgage can make a difference as well, downsizing can be a way out, perhaps killing off a big payment and adding a cash reserve at the same time.