Original Message

My financial setup prioritizes flexibility, therefore I have a few options when it comes to retirement:

Now (34 yrs old) If I didn't contribute another penny to my retirement accounts I'd have around 1.5 mil @ 55 given a 7% real return. I'd have enough in accessible tax free or post tax accounts for me to do a roth conversion ladder and get me to 60 without having incur fees or penalties. At a 3.5% withdrawl rate it'd be about $52k a year tax free which should be enough to cover expenses (house should be paid off by then) with a decent cushion. 

If I keep working/saving until 50 I'm looking at around 2.5 mil in today's dollars, again assuming a 7% real return, so inflation is already baked into these numbers. Using a 3.5% withdrawl rate that'd be around $87k a year which far exceeds our current expenses, even with multiple trips a year and living a pretty good life.

If I kept going until 65 I'd generally see myself as a failure in that I must not have cultivated a life outside of work rich enough to bring me any satisfaction and I probably have full blown Stockholm Syndrome.