Luckily people in their 20s today tend to live at home and rarely go out, if this is how you are living and you are happy with it, working a well paid job until

Luckily people in their 20s today tend to live at home and rarely go out, if this is how you are living and you are happy with it, working a well paid job until you are 40 and then retiring is doable. I know this is a glib take, and it's somewhat tongue in cheek but tech jobs in general are well paid enough to at least make a plan to retire in your 40s. I don't think you'll necessarily get there with a "chill" approach, you'll need to be ambitious and smart with investments to make the most of it. Something else to think about; retiring in your 40s means you are not necessarily even half way through your life these days, so you'll need to work hard enough to pay for the second half of your life. That means you may never make big purchases beyond a home, may not have money for hobbies, or vacations. I mean, life is expensive for the average person, even if you are bringing in $200k+ right now. I feel like we may see early retirees from the 2020s looking for work again in 20 years time. Investing well is critical, but also a gamble. I know people who have been saving their whole lives into a pension plan only to have it wiped out later in life.