I plan to retire early, but I am not fully funded yet, as I have been in practice for only 7 years. My "magic number" to retire is 5 million. My first year, I started a 401k, with no principle, to which I add $4,500 per month. Let's assume I earn a average annual rate of 15%, and pay no trading fees. It would take over 20 years to hit the 5 million mark in this tax-sheltered account. I won't have access to these funds until 2031. Additionally, I put $100,000 in a trading account my first year, and add an additional $40,000 of principle per year since then. In order for me to retire this year, I would have had to make an annual rate of return in excess of 60%, ignoring taxes and trading fees. I am beating that 15%, after taxes and trading fees, but I am no where near the 60% annual rate. My guess is that I will be able to retire somewhere around 2025-2028, but I doubt I will want to at that point. I still enjoy anesthesia, and even if I was in a financial place to retire tomorrow, I wouldn't just yet. I would go to half time if the practice would let me. I suppose the only thing that would get me to retire immediately is winning the lottery, and that is only because of the astronomical increased risk of lawsuit if I couldn't keep the lottery win private.