If your retirement income meets your lifestyle bucket, then you should generally be fine. You can probably retire comfortably, provided you’ve got proper risk management in place, including long-term care insurance . The same is true if your retirement income meets the aspirational bucket, in which case good for you.If your retirement income won’t meet the needs bucket, then you simply can’t afford to retire, not yet. You will lose the house. If it meets only the needs bucket, then you can technically affor ...