[ajuc]

Well, I'm in my mid 30s and I only have a fraction of your net worth, but I've decided a few years ago that I'll be splitting my time +- 2 years of working, 9 gap months (spring-autumn), etc. I have a lot of health problems that will probably kill me before retirement one way or another so I don't feel like saving till I'm 45.

It helps a lot that I work remotely in IT and live in Poland which is a very cheap country and I'm very low maintenance (for example my ideal vacations is biking and playing D&D on the internet which is all I did in 2019 ;) ). I have 0 interest in cars and drive 1997 Fiat Punto in which a replacement engine costs less than my daily salary :) I know because we've burned it once by accident :)

I don't think money have to be the main focus, as long a your have a sustainable plan with big margin of safety. I could live for 10 years out of my savings easily, that's enough freedom for me if the alternative is delaying the freedom till I'm old. It would probably be a little different with kids, but we don't want to have kids with my wife, so that's not an issue.

[pc86]

I'm also in my mid 30's and still have a negative net worth but retirement savings are growing strong (especially since February/March). Net worth is only part of the picture; if inheritance is not a priority then you can have a stable and secure future with a very small net worth, you just (probably) can't retire until it's cleaned up.

[johnisgood]

I could become homeless any time. I have a client who pays me and I could live in Poland relatively nicely if it was steady. I should probably get more clients, but damn it is hard for me.

I am actually thinking of moving to Poland if this guy keeps paying me, but I probably should go after I got 2 clients minimum.