<prompt> Human: Hi all,My ultimate dream is to be able to reduce to part time work by age 40, and just spend my days traveling and relaxing. I currently make about 95k per year. Some years, I can make over 100k. Im in sales. I have about 12k in savings account, will have 15k by end of year. I have 10,500 in a Roth IRA.500-rent and utilities included200-car payment, 9k balance 4100-insurance on car70-phone bill300-child support payments My company doesnt offer 401k, but I plan to open a brokerage account myself. How much should I be putting in this every month to make the most out of the next 10 or so years? Am I behind? I just started my first real job last year, so Im a late bloomer Also, I dont plan on having any kids. I will likely get married to a like-minded woman.  <response>: Rule of thumb is 1x income in retirement at 30, and thats to retire at normal retirement age. You arent even close to that and want to retire 25 years early.You have to save more and spend less. Retiring early is about ratios. 