re: Anyone retire early early?

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I’m interested if most people that had this 40-45 retirement opportunity had kids late or don’t have kids. I do pretty well and feels like just getting by normally

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Same here. I have good retirement savings and a paid for house but I think I would need to see 10 -12 K secure income inflation protected and health care benefits to have that make sense for me. I am past the concept of early retirement now at 57 but if I was in my mid 40's today for my own sense of financial security I would expect I would need over 4 million in investments plus insurance to have the lifestyle I want through retirement years.

I do not suspect most folks on this board are trying to retire in a tiny house and grow most of their own food so I suspecgt most have done a great job to accumulate assets, have acceess to heatlh care benefits or have a lot of money dedicates to pay for it or have a higher risk tolerance or better market assumptions than I do.

The only way I see this is health care, higher risk tolerance and higher accumulated assets than I have been able to do.

Fortunately I like what I do and 65 is likely my earliest time frame.