I think that guy has a serious mental issue. If he is really retired, it just goes to show that the mind regressed when not challenged and stimulated constantly.

You would have noticed that he cant really argue his case and just kept reposting those short paragraphs.

Sometimes it is not about money anymore. Retiring young and withdrawing into your turtle shell is not natural and not a good outcome. You suddenly lose that social circle of friends in your cohort who are still working. They will have no time for you. Even at home, your wife and kids will be out working or at school.

You will also suffer anxiety and insecurity because you see all the younger people are earning more. For eg, in the late 80s, early 90s, a person earning $5k is somebody. Nowadays fresh grad ENGINEERS can already command $4.5k pm. Together with bonuses (say 3 months), they are easily getting $67k in their first year.

You also see your CPF savings stopped growing, the moment you stopped working. And then you see other people (ENGINEERS) talked about their CPF savings crossing $1m at 56.

Without work income you also find you cannot take advantage of new opportunities that come up especially during market cycles, while at the same time, seeing your investments get decimated.

Worry seeps in and you are no longer "happy".

At the end of the day, we all want to retire to enjoy the fruits of our labour. Retiring too young is just not it. Retiring at 55 is a good age, but this is a time where your earning peaks and your expenses decline. So ride on it for a few years more to earn that extra $1m. It will go a long way - no need to downgrade, still have a car, have maid, travel etc..