If you had the money to retire at 30, your savings would be invested and on an average year your earnings would cover your expenses. You would have health insurance, so no worries there. The only catch is that you would have to keep your expenses at 65% of what you spend right now. Would you take it, or would you rather work a few more years for a better lifestyle and financial security?
When I was approaching 30 I was looking forward to kids, and that wouldn’t be sufficient to raise them.
In a couple years though …… once they are through college so I’m done with those payments and child support, living on 65% of my income would be easy.