<prompt> Human: Hey All,Im a young professional 23 making a decent salary 90k and Im weighing my options for investmentsretirementsI can do a 401k at my company but Im flirting with the idea of retiring early which is difficult to do with an IRA401k because of the 59 12 age limit to withdraw. Suppose instead of locking down money in a 401kIRA, I divert all my savings and investments to Vanguard ETFs held by me in a regular stock portfolio. I understand that I will be taxed on the growth, but on the plus side I will be able to access my dividends whenever I want throughout my life, and if I want to retire before 59 12 I can do so. I figure if I live cheaply and build up a strong portfolio I can at least create a nice dividend stream, does this seem like a feasible idea? To sum it up, invest entirely in Vanguard ETFs and do not utilize any 401k or IRA plan.  <response>: There are plenty of ways to get early access to retirement money 