Your annual expenses are ~$61K/year right now. If you want to retire early you’ll need about $1.5M invested at a 4% SWD to keep that lifestyle.

If you keep up your current investment of $1.5K/mo ($28K/12) you’ll reach this $1.5M in 20 years at 10% return. That’s assuming nothing changes at all in your income and expenses of course.

So it is possible to retire early. How early is anybody’s guess.