Also probably depends on the vision of your retirement. If you want to retire with high five-figure (or God forbid, six figure) yearly spending, then it's not that easy. If, on the other hand, you're ok with living like a median American, you don't need that much money. I'm just about to retire in Poland at 40 by this logic, and I didn't even work all the years between college and now! (took a total of around 4-5 years in between-jobs breaks).