My dad would say, “Jackie, don’t over-think everything”. He was a brilliant man but he was wrong on this count. Thinking ahead and over-thinking has helped keep me out of trouble more than anything. Since we retired early, we have taken some huge hits in the income tax department. This week, I got my husband to figure the taxes early. He then he called the accountant to set up an appointment to double check what he thinks the taxes will be. Retiring before you want to is like being the guy on the bridge screaming in the Edward Munch painting. In the painting its like the guys face is melting into the universe and in the case of early retirement its your money that is melting into the universe. Thinking ahead is the only wise economic choice especially in times of disaster.