That’s what I’m saying! Too old. Did you know the medical term for a pregnancy after 35 is geriatric pregnancy? Ya bro, we’re getting committed to the old folks home soon here, you and I.
Americans who got lucky in life have a bad habit of shrugging off the majority that didn't as somehow irresponsible and not worth considering.
My cousin does this. Looks at you like you're speaking a foreign language when you say you can't afford something that would make your life easier like replacing a malfunctioning appliance right now.
Privilege is a bubble of willful ignorance akin to the Republican bubble.
My wife and I make similar money and created a 20 year plan 20 years ago, we won't be rich, we just won't have to work. Think living off $4k a month for two people for life.
If you do it over 20 years absolutely it can be done.
But to do that and retire in your early 40's (40-43.33) as you suggest means people will need to likely meet in highschool or early college and work on it right away once they start earning income.
Unless people happen to create a similar plan 20 years prior and are able to find each other many years into their plans. It is possible, but it's harder.
edit: changed the perspective to people, not specifically you.