This is an interesting rhetorical question (since I am 17 years past that age, and will not be retiring for a good long time), that I have seen from a few financial bloggers, so I will give my opinion on this important goal (for some folks). Remember I have tackled this subject before with Investing is like Golf.
The major thing you should do is plan on not living past 40, and you can retire at 35 no problem, in fact you might be able to retire at 32. OK so that is me being a snarky-pants on that one however the idea might be that you “retire” at 35 and then go back to work at “40” sort of a change of careers concept.
The concept of a mid-life career change has worked very well for many associates and friends. If at age 35 you decide you don’t want to be a “grunt programmer” and you go back to school to become a Lawyer or Doctor, then you have retired from your old career, but are “reborn” in your new career.
Another great idea is plan on winning the lottery at 35, then you can retire for sure, however, you may end up going back to work again at 40, since if you buy lottery tickets, you most likely will blow most of that money as well.
If all you are trying to do is retire 30 years before the “normal retirement age” stop worrying, in about 10 years, retirement age will be moved up to 75, and thus 45 will become the new 35!
I guess my real question is: You want to “retire” at 35? What the hell are you going to do for the 50 years after that? If you tell me “explore the world”, I’ll tell you “the world” can get boring after a while. Why not just aspire to be DEBT FREE by 35 and able to do what you want at 35? You don’t like your job, quit, and go do something you want, that is the ultimate freedom. You want to change careers, no problem, you can do it.
Who really wants to completely retire at 35?