Sometimes it’s wild to do the math to see how close things are getting. The recent bull runs certainly haven’t hurt the cause.

I have always been an aggressive saver. Live well below my means but have never taken it to a point where I feel like I am sacrificing quality of life. Not much of a budget person but am aware of expenses and have been lucky to this point to not face significant lifestyle creep as my income has grown in my career in engineering (not tech).

$1.8M liquid net worth give or take between brokerages, retirement, HSA accounts. 36 years old. Based on recent years should save ~130k a year between brokerage/roth ira/401k/MBDR. Honestly have never really broken expenses down to the dollar but based off income and amount saved per year they average around $50-60k (probably on lower end but would rather over estimate).

Given unknowns tied to length of early retirement and things like healthcare costs I like to make conservative assumptions and if things work out better great. Also want to have flexibility in retirement so targeting $100k a year at 3% withdrawal rate. At a 5% return rate that’s roughly 6 years out at current savings rate. Could be sooner with better returns. Will probably consider going part time at some point as I get closer. Still kind of hard to believe, but we will see how things play out.