<prompt> Human: Some background info: 30 years old dual income with wife zero debt We used to own a home but noticed the repairs were not able to save so we sold the home 5 years later35k in the bank 2000 net savings extra each month after rent and all expenses I also perform a lot of side jobs online through kijiji and through friends for extra income. I may be interested in high risk options legal of course I have also considered starting a business but have always been on the fence about it due to having a full time job already I just want to ascend from having an ok amount in the bank to actually be set for retirement afford a larger home, and retire before Im 50 or 40 if I can do it soonerAny tips or ideas would be greatly appreciated.  <response>: How much do YOU need in order to retire at 50 and at 40. Once you know the numbers, you can plan for the future. 