I wasn't really intending to provide feedback to you on your list, I was more just a little dismayed with the premise of working backwards from the goal of reti

I wasn't really intending to provide feedback to you on your list, I was more just a little dismayed with the premise of working backwards from the goal of retiring that early and living your easiest years in what I believe to be a waste to get there, as most people probably would need to. There's nothing wrong with the concept of retiring early, if that doesn't cost too much in terms of how you spent your time to get there. I've had a very volatile career, but I'm actually quite thankful that I've been forced to work at least 2 or 3 years less then your average person, even though I have no money to show for it. In retrospect, while it would be nice to have that money, I have memories of aimlessly travelling, hanging out with friends for hours a day in summer, and if I were to have waited till my late 30s, I'd have worked those memories away. I'm also im great shape and have a good relationship with staying in great shape, such that work will always be secondary. I also have some good friends that I've spent a lot of time with already. I know that won't always be possible, but I've established them and am decent at establishing new ones. These are things that careerist people end up losing out on entirely, a lot of the time. By contrast, if I were to not only have worked regular hours for those missing years, but probably worked extra by even oke more hour every day, a bit on weekends, and saved a higher proportion than I already was, all I'd have to show for it is money, and that's pretty hollow. Thinking about retirement doesn't make you fat, lack of spending $ and time on physical hobbies does. Spending most of your time in a chair and eating cheap/quick food does too, none of this is a stretch to reach depression.