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Re:Ask HN: I have the dream to retire when I turn 40 by endswapper on Monday November 28, 2016 @01:26PM (#13057324)
I'd argue that you are thinking and/or discussing this in the wrong terms.

You have to do something.

If you're doing what you want it's not really work even if it is. Right around your age I reached a point where I didn't have to work. I moved to the beach in Costa Rica, I travelled and it was fun. Fairly quickly I realized that would not sustain my interest for very long. I taught myself to code and I am pursuing a startup idea I believe in. It doesn't feel like work. It's the most work I've ever done in my life.

I suggest finding how you want to spend your time, and why, and go do that. Then, even the things that you hate doing aren't work because they serve a purpose in the bigger picture of your life.

Re:Ask HN: I have the dream to retire when I turn 40 by usgroup on Tuesday November 29, 2016 @03:13AM (#13061631)
Fluffy as it sounds, I think this is right. Ultimately we often was to preserve optionality rather than "financial freedom". I.e. I want to be able to choose not to work by the time I'm 40 and/or I want to be able to choose what to work on. Financial independence is over-kill if this is your objective. There are simpler paths.