
There’s all kinds of FIRE (early retirement) calculators you can find online. They’ll take into account inflation and withdrawal strategy and help you understand what is realistic.
As for your assumed interest rate of 9.6%. That’s the biggest concern I see. Maybe that’s what the plan has gotten in recent years but the stock market has seen higher growth than usual in recent years. Historical averages are closer to 7%. You’ll likely want to assume less than 7% to keep your numbers conservative.
Either way, early and frequent investments are the keys to building wealth and an early retirement. So start doing those things and as time goes on you’ll build a more accurate picture of when you can retire.





Yeah, the replies in this post bun me out. Everyone thinks they’re a good driver. It’s always everyone else causing the problem! All it takes is one small lapse in attention to hurt yourself, loved ones, or strangers just living their lives.
I bought my first new car a few years ago, and it came with a lot of nice safety features. I’ve left them all on. I’ve only had minor annoyances. Lane assist can require me to override when construction has messed up normal roadways. Once in a rare while it’ll tell me to keep my hands on the steering wheel when they already are, but these are easy to adapt to.
Turning off these features because you’re a good driver and don’t need them, and thinking others are the bad drivers is such a self-centered view. Remember, to me, you’re the other driver and I’m the good driver.
Another 10-15 years as cars without these features get replaced we could live in a world where catastrophic traffic accidents are rare, but only if folks get over themselves and leave the safety features enabled.
I drive a Ford, nothing special. These complaints are overblown, and your ego is putting people at needless risk.