I guess he means something like this: https://networthify.com/calculator/earlyretirement?income=70000&initialBalance=0&expenses=25200&annualPct=5&withdrawalRate

I guess he means something like this: https://networthify.com/calculator/earlyretirement?income=70000&initialBalance=0&expenses=25200&annualPct=5&withdrawalRate=4 https://networthify.com/calculator/earlyretirement?income=70... Might work if you trust index funds, earn quite well in the first place or (plan to) live in a cheap country and you are willing to do the grind for a few years.