My original plans were to retire early in 2016 in Thailand and I am still telling my wife that we will. I was frightened by the 2008 market downturn and believed that my retirement would have to be put on hold. In an attempt to boost savings I have accepted a long term international assignment with my company so I now permanently live outside the USA and get the foreign earned income exemption and housing credit. I pay very little income tax and almost no living expenses since I am on a full Expat package. At age 56 i qualify for a small fixed pension with 100% survivor benefit for my wife. The 4% withdrawal strategy scares me and I would rather use a Dividend Growth strategy and live off dividends when needed. I am attempting to put together a DG portfolio with my IRA's and some cash that I am quickly accumulating. I am restricted in my 401K to ETF's or mutual funds but I can choose any which one I wish. Any suggestions would be welcome!