[masraum]

retiring early sounds great, but I'd want/have to be in a REALLY go position financially. IE, if I thought I needed $4million to retire at 65, then to retire at 53.5, I'd want to have a fair amount more. It would be hard not to spend more money with lots of free time. Plus, I'd be concerned about big changes that would impact the finances in a big way.

But, I guess if you're debtless and you have passive income, that may be another story.

To me, as some others have stated, it seems like it would be a better idea to change to less work (reduced hours, reduced stress, maybe something that you enjoy).