>>82983213 (OP)
Checking accounts: fluctuate depending on cash flows. No less than around $2000 usually. Sometimes much more but, not for long
Don't have any savings accounts, but . . .
$40k rolling T-Bill ladder as an emergency fund
Anywhere from 0 to 20k held in a treasury MM as short term cash reserves until it gets allocated elsewhere.
$60k sometimes more than 100k held in an ultrashort fund for property tax payments and estimated quarterly payments to the IRS (we just safe harbour and pay 4 times per year)
$178k in TIPS bonds, maturities 2049 through 2054, to serve as 6 year ladder against sequence of real return risk in retirement (to cover 300k or 50k/year in today's dollars of future real expenses)
Pension: state pension. Hard to quantify value. I prefer valuations based on annuity equivalence rather than using actuarial tables or life expectancy methods. It has good nominal value, but has a very meager COLA ( practically nothing at all, hence the TIPS earlier . . .
Investments are substantial. Multiple accounts varying in activity, with trading accounts being the smallest, active investments being larger, and bogle-approved broad based index investments being by far the largest.
I'm considering retiring early in 3 years at age 40. Sounds better to me than waiting until 2049. Neither my wife nor I are spendthrifts. We intend to save for our kids and leave them a nice inheritance. That's it
