[ben7799]

It's a good question for your financial advisor assuming you have one.

One of their jobs is crunching the numbers to answer the exact question you're asking.

We recently went through this with our financial advisor. We're the same age, only have one kid, east coast HCOL area, live well below our means, very similar savings as you.

Rough answer was we could do a normal retirement in our early 50s if we could get closer to $6M nest egg with an assumption of spending a bit higher than your current expenses in retirement.

FI/RE seems to be financial advising minus the personalized advice and the regulations and plus the silly social media influencer/huckster side of things with a side dose of "retire well below your normal standard of living" to retire early.

One of the tricks for me to balance things is realizing the startup game is too rigged.. it's way easier to make solid/reliable returns working at high performing public companies that award equity. I've been through quite a few exits, but as time has gone on each exit was worse and worse because the founders and investors get more and more of the pie. And working at the public companies tends to be way more life/work balance.

[neogodless]

> we could do a normal retirement in our early 50s if we could get closer to $6M nest egg

Assuming you're going to live from 50 until 80, that's $200k/year spending assuming your investments/retirement funds just keep up with inflation. Maybe I'm missing something?

[pcglue]

No, don't have a financial advisor, but considering one now. Before I burnt out, I was also planning to early retire around 50, when my nest egg should be at least $5M. Thanks for your insights. What kind of financial advisor did you use? Fee-only CFP/CFA?