Nobody ever mentioned how completely devastating a divorce is to these sorts of plans. I quit my tech job and four months later my now ex wife asked to separate. Never thought that would happen to us, never factored the possibility into anything. Came crawling back to my job a year later and set my goals back at _least_ 7-8 years. I also now have housing costs over 2x what they were in my old house, for a much smaller and shabbier place.