What savings rate do you assume there? I agree the savings goal is very difficult even with ridiculously favorable assumptions! I’ve never heard of 5% yearly raises outside of the first 5-10 years of someone’s career. You’re lucky to get raises that approach inflation. And that 7% investment gain is average only if you have a very risky all-equities asset allocation the whole time you are saving. 20%? LOL.

I don’t think most people’s “retire early” savings plans/goals can survive initial contact with reality.