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Sounds like you're the regular Millionaire Next Door! I am 23 and would love to be in your situation (minus the bad work environment) at your age. Unless your expenses are out of control, it seems like you should be able to retire right now without a problem.

I agree, Joe. I am heavily invested in VTSMX and VBK (vanguard small cap growth).

Thanks, Mr. Gates. I am open to my perspective and goals changing. My main goal is for my family and I to be happy. Right now my plan is to retire early to achieve that, but I do realize that after getting married, having kids, etc., priorities may shift. My GF is even more frugal than I am...

Thanks, Nash. My savings rate is about 15% of gross income currently, and as you said, I would like to increase that to 50% or higher as my income increases. I think I have a pretty good plan, it's just the waiting part that's tough.

Hello, everybody. I have been lurking around the forum here for a few days and it seems like this is a pretty neat-o place to talk about early retirement. I just turned 23, have about 95K in assets (mostly due to an over-funded college account left to me by my parents, and inheritances from...