Here is an excerpt from https://www.marketwatch.com/story/wa...rly-2021-02-23

My husband and I retired early. We were very frugal. Friends called us cheap. We prefer thrifty or frugal. We had no children, they had three kids; we rarely took vacations, they vacationed every year. Who deserves an annual vacation? There’s a reason why we retired early.

We always paid cash for our modest cars, but then drove our cars for 10 years or more. I don’t think they ever went two months without at least one car payment.

We love our financial adviser, and our extravagant neighbors, keen to retire early like us, asked for her business card. I asked our friends how the appointment went, and they replied: “Well, she’s a lousy adviser! She doesn’t know what she’s talking about!”

At our annual review, I asked our adviser if they could retire early. She replied, “Warren Buffett and Harry Potter couldn’t get those two retired early.”

It isn't good advice until you're willing to use it. Or as Lewis Carrol says of Alice "She generally gave herself very good advice, (though she very seldom followed it), and sometimes she scolded herself so severely as to bring tears into her eyes."