Married for 6 years (7 in May). Living in PNW. No kids, and we won't be having any in the future. My income: $83,500 + $5k-$10k annual bonus Spouse income: $52,900 My Retirement: $49k Traditional IRA $20k Roth IRA $51k Pre-Tax 401k ($32k vested - year 3 of 6 year elevator vesting schedule) $14k Family HSA Spouse Retirement: $53k Traditional IRA Pension (!!! She's about to start a new job with a Pension, we're very excited) General: $6k taxable brokerage $13k HYSA $211k home equity ($533k value, $321k mortgage - 3.125% 26 years remaining) We're hoping to retire in the 50-55 year range. I contribute 10% of paycheck to 401k (7.5% match), and then an additional 10% net pay goes into a savings account that I move into the HYSA every 1-2 months. We're still figuring out how my spouse's pension will work. We both max our IRAs, as well as the Family HSA. Our monthly expenses are around $5k-$6k. I only started tracking it since approx October, so I hope that the additional visibility will help us cut down on certain areas. Mortgage is $2k/month. Utilities: $500/month Restaurants / Bars: $750/month (probably our biggest area we could cut back. We enjoy a good brewery) Groceries: $730/month Entertainment: $650/month Student loans: $350/month Gas: $170/month (1 car household) Pet costs: $80/month (usually the occasional daycare for our dog if we're out of town overnight, food for our dog and cat get lumped into grocery costs) Car Insurance: $100/month There are other expenses of course, but just breaking down the basics of the larger expenses. Like I mentioned, we hope to retire early. The question is: how early? I'm aware that health care costs are significant when retiring early. Our rough plan is to move to Canada closer to retirement (I'm a Canadian citizen - green card holder, she is a US Citizen), so that we can take advantage of that glorious free health care. That's a step that we haven't fully fleshed out, so we're more than welcome to more knowledgeable people poking holes in that plan. Can we do it? What are we missing? I'd love to hear thoughts and/or advice. Thank you all!