This is really about balance - I've ready about living life in a permanent state of "semi-retirement" - this is where you aren't "killing it" to keep stacking cash, but you do work some and rest some - either by earning a lot quickly and taking time off or working various "part-time" jobs and saving as you can - Instead of waiting until you are in your 60s to "retire," why not take advantage of the potential to earn and take some long breaks, too - or, earn big for a bit, then revert to part-time - and repeat the cycle as your life dictates.