Some suggestions for you.
Put as much money as you can into an IRA or 401K retirement account. As for using the "nest egg" any money that in IRA or 401K a disbursement is required by the IRS starting at 70 1/2 years of age.
The IRS estimates your life span to the age of 100. You can use that to determine the amount of money to withdraw on an annual or monthly basis.
The money does you no good sitting for ever in an account.
My experience is with my IRA is, I withdraw a bit every month and the account is still growing even with the money taken out. The IRS charts indicate that I should be taking out half of what I am.
I also look at the projected I'll need, at this point in time I choose to use my money for things like traveling. Later when I'm not so able to travel I'll need less money, at least I think so.
As for traveling expenses, the biggest expense for me is gasoline. We on the road going from A to B and need to spend a night we find a rest area, WalMart parking lot, Truck stop, etc. No charge, I'm very reluctant to spend money just to get a few hours sleep.
Once you turn 62 the Interagency Senior Pass is best deal going. $10.00 for a life pass, which gets you into all the National Parks, federal campgrounds are generally 50% of posted fees. Example of how this works, last winter we were out for only 60 days and our average campground fee was $5.45 per night. A few were free and the rest either $5.00 per night or $6.00 per night.
You have to be willing to camp without electricity or water or sewer hookups. A solar panel
and controller takes care of light
, the furnace
fan, and electronic things battery
charging. (Most of the charging I do inside the tow while running errands or sightseeing.)
Water is always close by, and we search campsites reasonably close to the potties. This has worked well for us for the past 9 years.
Sometime less is more. Less stuff equals more time to enjoy the outdoors. We learned how to live quite nicely like this by backpacking and studying backpacking techniques. Those apply to little trailer living very nicely.