I (29M) make 100k annually and live with my parents. I've been maxing my retirement accounts (118k in 401k, 47k in Roth IRA). I want to retire early, but I also want to move out.
Problem is that I live in a HCOL area (SF) so I would definitely have to reduce my contributions by a lot to meet rent (while also trying to save up for a house). Maybe down to 12%.
That being said, is 165k enough to slow down retirement at 29 and move out? I understand how privileged it is to live rent-free and save a lot for retirement and a house. At the same time, I'm almost 30 and feel like it's time to leave.