re: What retirement savings balance is your goal, and by what age?

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1.75m at 55 with another couple hundred thousand in a taxable account/cash to draw from until I reach 59.5. I think my biggest hurdle will be bridging the gap between when I want to retire and access to my money without penalty. That assumes mortgage is paid off.

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Early withdrawal penalty only applies if you are still working from age 55.to 59 1/2.

IRS rule of 55

“If you leave your job at age 55 or older and want to access your 401(k) funds, the Rule of 55 allows you to do so without penalty. Whether you've been laid off, fired or simply quit doesn't matter—only the timing does. Per the IRS rule, you must leave your employer in the calendar year you turn 55 or later to get a penalty-free distribution.”