I was a mature medical student. I am almost 40 and have paid off my med school tuition debt (was 200k) I have about 80k in savings and 20k in superannuation (sort of like the Aussie version of a 401k plan) I am specifically planning to not have kids. I don't own any real estate. I am around 40 can make 250-300k per year and should be able to save 150k per year after taxes here. I am contemplating how to retire as quickly as possible. I have a health condition which will likely force me to work part time within the next 5 years. I will likely continue to keep working but want to plan for the worst case scenario of not being able to work at all at some point in the next 10 years. I am in Australia, so the tax sheltering and other concepts specific to the US will probably not apply. I am after general principles for formulating my plan. My initial thoughts are work my butt off and have 800k in saving within 4-5 years to make the foundation for retirement. Strategy is why I am here and I didn't find the FAQ section as helpful as I had hoped. Please advise me Further details Tax is high here 40% over 80k, 48% over 180k. I don't own a property yet.