Hi, I've lurked on these threads for a while and have done various calculations myself, but figured I'd just get a gut check on the feasibility of retiring around 50 (or sooner!) as I'm concerned our strategy is sub-optimal.

Couple: ages 35+34 | no children but will start very soon (2 kids max)

Very stable jobs, but no remote or telework. Career options could permit telework/remote.

$340K annual HH income

$13,500 min. monthly ($162K annual) contributions to retirement, investments, pension, and HSA (incl. employer match). Maxing out HSA & 401K.

$105K after-tax annual spending, but $70K is housing...trying to pay off mortgage sooner. See below. We love international travel and "i drink beer with friends very often", but otherwise we are the avid coupon type.

We have about $5-6K per month after expenses (incl.…