You are pipe dreaming.

Allow me to offer you some sobering details.

At a retirement age of 35, assuming you'll live to age 85, get an average annual investment return of 9%, adjust each year's withdrawal by 3% to keep up with inflation, you spend the entire $200,000 over your 'retirement' years and ignore the effect of Social Security, that $200,000 would be able to provide you with an eye-poping $1,032 per month beginning this year. Can you live on that? There are folks who do....would you want to?

Now, for another dose of reality. Lets say you are an average guy in that you plan to work until age 62, that your current salary is about $75,000 and that you need an 80% of income replacement at retirement, with the rest of the variables as per the example above. Today you'd need to have about $215,000 already saved, which, if you included the benefit of SS, means that savingswise, you are just about where you should be....but this assumes that you will continue working and growing your annual salary at least at the level of inflation and growing your nest egg at 9% for the next 27 years....not retiring this year.

So I hope this helps you to realize that unless you plan on retiring immediately to Tornadomagnet  Estates mobile home park in some desolate rural area in the hinterlands, you probably are going to have to continue working.

BruceM