My plan B is to semi-retire. I expect that I'll still work some, but starting somewhere around 40-50 I plan to cut back to part-time (or perhaps stints of full-

My plan B is to semi-retire. I expect that I'll still work some, but starting somewhere around 40-50 I plan to cut back to part-time (or perhaps stints of full-time intermingled with multi-month vacations) and become more picky about what I choose to work on. Assuming I never get another raise in my life, I'm on track to have my house paid off before I hit 35, and $500k+ in the bank by age 40. (The better portion of that will be locked in a 401k until I'm 60, but my wife and I have also been maxing out Roth IRAs and that money will be available to retire on whenever we want it.)