I’m 36 with $435,000 and want to retire early – ‘the sooner the better’ – but without a frugal lifestyle

Dear Marketwatch,

I am a 36 year old man and my job pays approximately $115,000 per year. I’ve done great with my 401(k) and have $435,000 in it. I manage and rebalance it myself and have also managed to gain around 6% in 2022 despite a bearish market.

My aim is to retire early. The sooner the better but I really don’t want a frugal lifestyle….