I’m 35, have $2.5M saved and own property that brings in $3K/month — am I out of line to think about retiring now?

Rosie has managed to save $2.5 million, an amount that many Americans would feel comfortable retiring on. In fact, she has more: according to a 2025 study, Americans said they believe they would need $1.26 million to retire comfortably. (1) However, there’s a catch. Rosie is only 35, and so her millions will have to last for several decades. When to retire is one of the most debated questions in the personal finance world. No matter what your age or level of savings, there are a number of things to con ...