When can I retire?

Alright, let's get to the point

Goal

1. Retire without fear

Current situation

1. I'm 52M and married. Posting under a throwaway for obvious reasons.
2. Two kids in college, younger graduates May 2027. I've covered the costs out of my current salary. I'm considering retiring when the youngest graduates. Both are engineering students and I anticipate them both finding good jobs with insurance quickly after graduation.
3. House paid off, no other debt
4. Roughly $1.5M in investments, $1.4M of which is in traditional rollover IRAs and 401(k)s, $100k in a non-tax advantaged brokerage account
5. My money is (almost) entirely in VFIAX and VTSAX. Currently looking to stay invested like this till I kick off.
6. Monthly desired retirement is $6,500. This does not include taxes and health insurance. We have some ability to cut back if things go south post-retirement but want to have a small chance of that.
7. Yeah, I'm counting on Social Security. I'm estimating $5,000/mo in today's dollars between the two of us at age 70 if we wait that long.
8. Currently earning $140k with lots of time off. I do not hate my job. If I lost all my money to a Nigerian scammer and had to work until I were 65 I would still be happy. But I enjoy my life, hobbies, wife and friends and could easily fill the time with all of those.

Concerns and Questions

1. How much will I need to budget for health insurance for me and my wife? Before medicare and after?
2. How much will I need to budget for taxes?
3. What is the best way to get at the $1.4M in IRAs/401(k)s? 72(t)?
4. At what age do we take social security?
5. When would you consider a prudent time/conditions to retire?

submitted by /u/Euphoric_Winter_3835
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