Financial Overview - The individual has a total of $800,000 in two 401(k) plans and a $69,000 lump-sum pension, alongside $150,000 in Roth IRAs for both spouses, and $400,000 in real estate equity with a low mortgage of less than $50,000 [1][2] - The individual also holds approximately $1 million in cryptocurrency, which has appreciated by 88% over the past year [1][4] Retirement Planning - The individual plans to utilize "rule of 55" withdrawals to pay off the mortgage and sell small amounts of crypto to sustain until age 59 1/2 [3][4] - Social Security is not expected to be a reliable source of income, with the belief that it will be insolvent in 15 years, and the individual plans to delay claiming benefits until age 70 [3][4] Tax Considerations - The individual has not filed taxes in 20 years, despite having taxes withheld and no undeclared income, which raises concerns about future tax obligations [4][5] - Professional assistance from a CPA and tax attorney is recommended to address the tax filing issue and ensure compliance with the IRS [6]