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this post was submitted on 13 Sep 2024
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A Boring Dystopia
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I think early 40s is a fine time to retire, if you don't have to support your children and you're in a dual income situation.
If you’re that 1% super elite CS student, then sure you can retire at forty. The rest can’t even if they are child free.
That'd probably only work if you met your SO immediately when you began working, and you both had the same money plan.
Otherwise it's probably not enough saved money to support 2 people, only 1 (edit until the later 40s)
My wife and I make similar money and created a 20 year plan 20 years ago, we won't be rich, we just won't have to work. Think living off $4k a month for two people for life.
If you do it over 20 years absolutely it can be done.
But to do that and retire in your early 40's (40-43.33) as you suggest means people will need to likely meet in highschool or early college and work on it right away once they start earning income.
Unless people happen to create a similar plan 20 years prior and are able to find each other many years into their plans. It is possible, but it's harder.
edit: changed the perspective to people, not specifically you.