55, retiring next year after 30 years in tech — will this money actually last?

So I’m 55, done with software after three decades. Bay Area, house paid off, no debt. Tired of the grind and the layoffs.

Rough numbers:

401k: ~$1.8M

Roth: ~$300k

Brokerage: ~$400k

Cash: ~$150k

Social Security: ~$2,800/mo at 62, ~$4,000 at 67

Wife still working part time, ~$60k

I’m not trying to live luxury. Just a good, healthy life — decent food, gym, a couple trips, no stress when the car breaks. Maybe grandkids eventually.

Questions:

What withdrawal rate actually works? Everyone says something different.

Take Social Security at 62 or wait till 67?

How do I not get killed on California taxes?

How much cash should I hold so I don’t panic-sell in a crash?

I’ve run every calculator online and they all disagree. Just want to hear from people who’ve actually done this. No advisor sales pitches please.

Thanks.