Retirement Savings

[fiveoh]

With a large allocation to bonds and if they are drawing down principal, they are going to be hurting when interest rates go up again. I don't know how anyone retires early without a pension or a very high income. I'm trying to do it but finding the amount of savings I need to be boggling on my middle class income. We would need about 60k annually to be comfortable, but I'd like to have a little more to travel, etc. I figure a 4% div yield on my portfolio at retirement means I need 1.5 mil to live off the div income. That's obviously in todays dollars not factoring in inflation.