re: Another “can I retire comfortably” question

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think you just need to find a better job / colleagues. I genuinely enjoy spending time with my colleagues, my direct team, and my leadership. Does the work grind and stress become a bit much at times? Of course…but that’s why it is called work.

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I am out of corporate in privately held org. It has its own challenges, but reading OP I thought what would I do at 53 (44 now). With that kind of financial independence I would have no work stress.

I didn’t say otherwise.

If you’re saying you’ll have $3 million in a 401k, and $300k in a taxable account in 8 years, then no. In addition to projecting your future 401k, you need to forecast future expenses. My guess is you’ll be lucky if the pension covers the 50% of the health plan you’ll be on the hook for. Not to mention, it’s quite possible the government ups the age for full social security by the time you’re eligible, if it’s there at all, so you’re going to need to significantly increase that after tax account so you don’t dip into the 401k too early.

Do yourself a favor and take a look at Fidelity’s retirement planning tool. It does a terrific job in calculating future expenses and investment values under different market conditions.

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. I genuinely enjoy spending time with my colleagues, my direct team, and my leadership

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What industry? Adult films?

Of course you can. You need to manage the difference between ongoing earnings and expenditures in retirement to ensure your money lasts.

You need to focus more on building nonretirement funds. If you are serious about retiring that young, then that money should get more priority than typical retirement type money going forward.

I "retired" at 55 by building up real estate funds that are not part of my retirement funds. I use those funds to generate income to cover the majority of my expenses and am delaying using retirement funds until I reach a more typical retirement age.

If you have after-tax money in your 401k, it can be touched before 55 if you retire and roll everything out of the 401k and put the after-tax bucket into a taxable account. The remaining would go to either an IRA or Roth IRA depending upon how you contributed.