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You probably can roughly estimate your expenses in retirement by considering what you would like to be able to do.  Here is a large item, health insurance, depending on your age.  Medicare isn't too bad, they take it out of my SS "check".  But before I qialified for SS, I paid it myself, and before that I paid for retiree health insurance, which was heavily discounted from market.

Try and get your domicile paid off, if possible, then you have maintenance and property taxes.  Figure your CORE expenses, things you HAVE to have and pay, food, etc.  Then see how much room there is for travel, golf, wine tastings, car replacement/maintenance, etc.  I think when I was near retirement, I was pretty close with my estimates.  When I was 40, I was not.

Now figure inflation, somehow.  You can't earn 2% on your savings if inflation is 4% and figure you're breaking even.  Then you'd have income taxes on any income, investment or otherwise.

I read all kinds of "guidelines" about how much one can withdraw from "savings" safely, and they are mostly bunk IMHO.  The old rule is 8%.  

Here is another tidbit I learned from my "financial managers", invest SOME of your nest egg in aggressive stocks, Nvidia, Apple, XLK, whatever.  SOME.  Don't adhere to that 60-40 rule, it's too restrictive.  Keep around 5 years of income needed very liquid.  Invest the rest, I do like a blend of ETFs, but if you have money you don't expect to need for say 15 years, you can invest that aggressively, and forget it.  Then rebalance your portfolio fairly often to make sure the aggressive part didn't grow faster and become a major part.

You probably can roughly estimate your expenses in retirement by considering what you would like to be able to do.  Here is a large item, health insurance, depending on your age.  Medicare isn't too bad, they take it out of my SS "check".  But before I qialified for SS, I paid it myself, and before that I paid for retiree health insurance, which was heavily discounted from market.

Try and get your domicile paid off, if possible, then you have maintenance and property taxes.  Figure your CORE expenses, things you HAVE to have and pay, food, etc.  Then see how much room there is for travel, golf, wine tastings, car replacement/maintenance, etc.  I think when I was near retirement, I was pretty close with my estimates.  When I was 40, I was not.

Now figure inflation, somehow.  You can't earn 2% on your savings if inflation is 4% and figure you're breaking even.  Then you'd have income taxes on any income, investment or otherwise.

I read all kinds of "guidelines" about how much one can withdraw from "savings" safely, and they are mostly bunk IMHO.  The old rule is 8%. 

Here is another tidbit I learned from my "financial managers", invest SOME of your nest egg in aggressive stocks, Nvidia, Apple, XLK, whatever.  SOME.  Don't adhere to that 60-40 rule, it's too restrictive.  Keep around 5 years of income needed very liquid.  Invest the rest, I do like a blend of ETFs, but if you have money you don't expect to need for say 15 years, you can invest that aggressively, and forget it.  Then rebalance your portfolio fairly often to make sure the aggressive part didn't grow faster and become a major part.

Pretty much exactly my story.

my financial advisor says I'm in good shape for retirement
I trust him
I assume the longer I kick the can down the road, the better shape I'll be in

Every year you work is a year you aren't dipping into savings, and you likely are building savings.

Every year you delay of course has another impact.  We all reach a point, hopefully, where we can't  get around that well, and the idea of a vacation somewhere becomes a very limited concept.  Say you retire at 62, you probably have about 20 years, hopefully, where you can manage travel, walking about, sight seeing, golf, etc.  At 82 maybe you hopefully can still walk about, but it starts being more difficult, and you become less interested in visiting Oman.

Welp, now that I'm over the big "50" benchmark I've achieved a couple of things.  

Number 1- I have access to employer retiree Health Insurance.  It won't be cheap, and it's not very good, but it's something.  
Number 2- I have money set up in an account, they will match $ for $, to help pay for the insurance, until I reach medicare age.  It won't last that long, 17 years right now, but I don't have to use it immediately.  I can wait maybe a few years, get other insurance until I stop working and let the company pay for it.  

From other folks that I talk to the way it works is they don't actually give you $ for $, what they do is essentially pay 50% of the premium until you run out of money or hit medicare age.  

I've heard that the employer retiree health insurance is basically what you'd be able to buy on the marketplace minus about $300 of what you'd have to pay. OTOH, most people I know, outside of gov't service, don't have any INS at all after retirement.  

I'm working to get to Medicare - I'm 19 months away

I think retiree health insurance varies all over the map depending.  Mine was pretty good, but I was still paying, I can't recall exactly, a few hundred a month?  Now I'm laying $134 a month for two of us, though it's going up January.  When I hit Medicare it went way down.

We get our retiree insurance through my wife (Baxter Healthcare). It's not as generous as yours was.

I'm a long way from Medicare, but she isn't.

We're paying $1300/month at the present, although my firm pays for my half and both of our dental and eye.