<prompt> Human: Throwaway account, not seeking karma. Not bragging, just want to get opinions on if Im too heavy into retirement since 78 of my money is in retirement accounts and I cant touch it for many years. I dont plan on working until 65. Havent mapped it out, but wouldnt say no to a 45-50 retirement if I could manage it.Background:-30 years old, single, no kids and no plans to change either. -75Kyear salary. This was from 18 months ago. Prior to that I was 40s-50s.-No debt, 1Kmonth rent, pay off my credit card every month 1K per month. -I am a very simple person, so I dont have any big expenses except I like to travel once or twice a year 3K per. -No intention of buying a house, car is paid off 5 years old. Not concerned about my fund choices so I didnt include them, but its a recommended mix based on my age for a 65 retirement now.-CheckingSavings: 8K-CDs 3, laddered: 9K total, roughly 3K each. Just to have available every 6-12 months if needed.-Vanguard non retirement: 15K 200month added-Vanguard rollover from last job: 38K-Vanguard ROTH: 53K 458month added to max it-401K current job: 22K, 10 of salary goes in currently, 1 increase annually. Currently 292paycheck, every 2 weeks.Totals:Non retirement: 8K9K15K 32K 22 of totalRetirement: 38K53K22K 113K 78 of totalI always read about starting early with retirement, so I did, but now Im wondering if I went overkill since 78 is tied up there now. Also, if I really do retire at 45-50, then I wont be able to touch much of that until 65. Any advice on how I should shift things around or invest moving forward? Any good articles on retiring early and managing it on your own until 65?  <response>: Have you subbed to rfinancialindependence yet? They talk about this a lot. No, I dont think its too much unless its stopping you from achieving goals now, like buying a house or paying down debt. You have to put a lot in retirement accounts for early retirement anyway since you need to make up for not adding money after youre retired. 