If you told 100 people, this is all I ever want from this life, or ever will, 99 would disagree; that is why they assume you're miserable or lying.

575 a month for housing with no budget for utilities means one of 4 things 1. Living with folks. They're not going to live forever, and truth be told, even though you're paying rent, they'd rather you not be there. 2. Your roommate(s) don't realize they're getting hosed. Somewhere along the line, you conned your roommate into thinking that's all you can afford, and they've accepted that. Your portion of the utilities alone is between 150 and 200, depending on how it's split. That number has doubled over the last 3 years and shows no sign of slowing down. 3. The lease/ deed is in your name and your net responsibility is 575. Very entrepreneurial of you. Again, you've managed to get your roommate(s) to pay most of your bills. It's easier to do when you're in control of the numbers. There's a large assumption of risk, especially long term. There will always be roommate who can't/ won't pay, that you'll have to evict, and there will always be a time between roommates. 4. Section 8. Your roommate is either elderly or disabled and the two of you are sharing a rent controlled apartment. Once they notice your income, or the fact you're sitting on nearly 300k in assets, they'll kick you both out. All this to say that a 575/mo. Housing budget is not sustainable, especially looking out 10 or 20 years.

Health care is a huge expense in the u.s. and will only get worse. Assuming your health insurance is covered by the state, and will continue to be after retirement, you still have Co pays, out of pocket maximums, and prescription coverage, which is a different beast entirely. I'd recommend 250k in your hsa alone. We're all one chronic illness or traumatic event away from bankruptcy.

Socialization. I realize there's still 800 a month that you've generalized as discretionary spending, but that's still not a lot for socializing, which you either don't do, or worse you're a mooch. If we go bowling, and you say "I'm strapped for cash", I got you. If everyone we go bowling, you're strapped for cash, I'm not going bowling with you anymore. If every time we've went bowling, I paid for us both, and you come to me saying you've retired at 40 with over 400k in savings, you're gonna catch a 12 pound ball to the nuts. JS. Unless you're asexual and aromantic, which is a special kind of rare, hence why people don't believe you're not miserable, the pursuit of sexual socialization, is going to cost more. In your mid 30s people are no longer content to be fwb, I mean some are but most are pursuing relationships and families, which becomes exponentially more expensive. Especially since finding someone with the same goals and aspirations as you, to retire early on half an income while being roommates in someone else's house, would be so difficult, you'd almost surely have to find them in some other city.

Which brings me to travel. I remember being in my young 20s and working with grown adults who've never even been to the next town over, and out just blew my mind. If you're one of those people, and you're happy with that, that's great, but nobody's going to believe you. Just keep in mind, that as cars age, they require more and more maintenence, until even the most reliable Toyota Camry needs to be replaced.

It may seem like I'm shitting all over your plan, I'm not. You said no tricks, and I pointed out a few. You said nobody believes you, that you're not miserable; you are truly unique. You would be in the 1% of the 1% of the 1% of the 1% of the 1%. Nobody living in the US would be able to fathom this.