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> that the only two options available are to spend without restraint or live miserably frugal

When did I say that? I have a 35% savings rate and still am able to spend happily. The point is that you don't need to aim to retire early. Set a target savings rate, spend the rest - enjoy your life instead of trying to maximize savings so you can retire early.

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There's a hidden assumption there that software industry pay will remain as high as it has and that the economy will be as good as it has in the past. I'm not sure I would be comfortable making that assumption in 2026 given that we seem to be entering an era of global instability and AI driven transformation.

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