Also note that "save enough to retire" doesn't mean "retire in Hawaii". It means "have enough savings to maintain my current lifestyle if I lose my job". So i

Also note that "save enough to retire" doesn't mean "retire in Hawaii". It means "have enough savings to maintain my current lifestyle if I lose my job". So it's more about lifestyle than savings. If your lifestyle is lavish then retiring, ever, will be difficult. If you're accustomed to being frugal, then retiring by mid-30's is entirely possible, especially with no kids.