> a stronger safety net I live in a country where a strong safety net is the (current) default. > an option to retire at 45 instead of 65 Retiring early is o

> a stronger safety net I live in a country where a strong safety net is the (current) default. > an option to retire at 45 instead of 65 Retiring early is only a viable option if you do so in good physical and mental health. I'd rather spend my free time keeping myself in both, and retiring at 55. This is still entirely doable; even with the outrageous rent of where I currently live, I'm still able to save a third of my net wages, while not living very frugally.