Both sounds great but at some point I like to have some cash to spend today. I think I'll enjoy having nice things in my 40s just as much as in my 60s/70s...I will venture to guess that almost everyone posting on here has an effective savings rate probably double the national avg and will be just fine in retirement barring a total collapse of the market. Not saying yours isn't a great idea, it is, but I have seen some very well off people who don't plan to retire early but still live like they have no money. And my question is to what end? Side tracked a little..my apologies.