Retiring early is a single guy internet myth. If you have a family, forget it. If you have a health condition, forget it. If you don’t have low risk investments, forget it. In the US health care can reset your bank account in the blink of an eye which is why so many many people in tech work until Medicare kicks in. Early retirement with a family is at least 10 mil in cash. Better enjoy your job because you’ll be doing it for a long time like 98% of Americans.
If you're truly fortunate, you can end up with an expensive chronic but not deadly condition that penalizes you for saving and having assets. Your healthcare isn't an emergency, so if it isn't paid for, you don't get it. But if you have any money, no Medicaid for you. Instead, you get to drain your accounts until you're impoverished and then they'll help you.