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Help Me Retire: I’m 36 with $435,000 and want to retire early — ‘the earlier the better’ — but without a frugal lifestyle

Dear MarketWatch, 

I’m a 36-year-old with a job paying around $115,000 a year. I’ve done pretty well with my 401(k) and have $435,000 in it. I manage and rebalance it myself and even managed to gain around 6% in 2022 despite the bear market. 

My goal is to retire early. The earlier the better but I don’t exactly want to have a frugal lifestyle….

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