If you had the money to retire at 30, your savings would be invested and on an average year your earnings would cover your expenses. You would have health insurance, so no worries there. The only catch is that you would have to keep your expenses at 65% of what you spend right now. Would you take it, or would you rather work a few more years for a better lifestyle and financial security?
If I could retire right now at 38, and kept my expenses at 100% of what they are right now, I’d still be choosing which bill can wait a week and a half past the due date to make sure we can all eat.
65% and we start drawing straws for who gets eaten this week.