Actually, retiring early isn't what it's cracked up to be.
You have all this free time and $$ to go/do wherever you want. But none of your friends do.
Willing to pay their way? That's how you become surrounded by leaches, not true friends. Trust me. I learned the hard way.
Trust me also in this: Honest work is it's own reward. For many of us, flying professionally has been a life dream. And any dream worth pursuing has it's share of drawbacks.
At the end of the day, no one gets out of this life alive with all their toys and $$.