Got a letter from the IRS yesterday. 2005 tax returns were incorrect. I sold $6500 worth of stock and never received the 1099. We moved twice between the sale and the tax return (the sale was part of our house down payment).

JP Morgan did not have our updated address.

In addition to that my wife had some stock which was liquidated from toysrus. My wife is 32. She worked at kidsRus when she was 17-18. 1099 was not received either. This was a $31 tax hit.

Looking to get a tally on issues to take care of ro retire early.

1) Health care costs
2) 0 debt
3) saved enough for a 3% initial withdraw rate

other thoughts?