A couple of things that these types of articles fails to capture: 1. Medical insurance. For a family of 4, this can be quite a bit and paying out of pocket wil

A couple of things that these types of articles fails to capture: 1. Medical insurance. For a family of 4, this can be quite a bit and paying out of pocket will be a big expense this is the biggest risk. 2. Immigration status. There are a lot of immigrants who are in the system and they cannot retire if they are on a visa. 3. High cost of living areas. If most of your friends and family are in areas like the Bay Area, your property taxes and mortgage will be a significant expense. You don’t want to just move out in order to be financially independent.