Not imbecile at all. If you tinker with a retirement calculator, you can adjust your yearly retirement income (how much you draw down each year), and get a vague idea of where you stand. As it looks, you have about a networth of around $750k, assuming no debt. As such, you can feasibly retire today and spend about $60k/yr in retirement (with TOD at 80 years old). Obviously that’s a pretty early TOD and most planners say to plan for 30 years, so you’d have to tighten up and consider living on far less than $60k/yr.

(This all assumes you sell your home to free up that cash). If you anticipate $40-$50k in yearly spending, your nest egg would last until your mid-80s it appears.