Yeah I can relate. If I'd saved all my money instead of kitesurfing off a chartered yacht in the Caribbean, heli-skiing in Chamonix or building a 1:10 scale, radio-controlled Mercedes Benz LPS1418 replica (amongst herds of other stuff) I suspect I'd have been able to retire at 40 (I'm 46). And yet even so I lead a very, VERY privileged life. And lifestyle.