<prompt> Human: Ive been lurking for a while, this sub is amazing and ive been following a lot of the advice and guidelines. I feel like I have a good plan in place, but was hoping to get feedback just in case Im missing something obvious:Employment:80k year salary operations consumer electronics, will likely be 6 figures within the next 2 yearsFull Kaiser HMO coverage through work thought about switching to High Deductible HSA as I dont have any current health issues. No 401k through work ive asked repeatedly to start one to no availCurrent Assets:Debt free, pay CC bills in full each month3 month emergency fund in BOA savings account20k in Roth IRA contributions Vanguard target retirement, maxing at the beginning of each year.1k in Robinhood brokerage account, 3 fund plan split 603010 VTI VXUS BNDBudget in good shape, planning on contributing at least 20 of monthly pre-tax salary towards investments each month.Credit Cards:Credit score hovers right around 800Chase Sapphire Reserve: for all dining travel expensesChase Amazon Prime Rewards: for Amazon purchasesBOA Travel Rewards: for misc. purchases not covered by higher reward rates on other cardsBOA Better Balance Rewards: for 30 quarter creditAMEX Blue Cash Preferred: GroceriesMy current plan is to maximize savings and dump everything I can into the brokerage account after the Roth. Hope to possibly find a new job with a 401k, if anything I would expect a higher salary. I feel like I need to catch up, as I only recently started getting serious about retirement. Could early retirement work for me?  <response>: Yeah, sounds like you are going about things in the right way, with the exception of your relatively low retirement savings and general savings. You will have to save very aggressively to make up for your slow start, especially if retiring early is a goal of yours. 