[satvikpendem]

Using savings when younger can significantly increase your overall retirement age. There, however, is also a risk of not starting a company in time (or having enough time to complete and perhaps exit a business) by waiting until you are fully retired. How one wants to slice that risk to reward ratio is up to them. My option is the higher parent's one, starting side hustles until slowly they take over my main income, such that I feel no loss of quality of life and I'd still retire when I want to. It is akin to rolling green-blue deployments rather than shut-down-the-server deployments.