I think the appeal of early retirement is in the freedom to do what you want when you want (within reason and budget). Personally, I don’t think that I’d want to retire in my 40s, but I would love the flexibility to go on vacation for three months and resume working afterward. Or to work only the number of hours that I chose. Or to leave a job I didn’t like without having to wait to find a new job first. Or to work three months, be off for the next month, on for two more months, and so on. Having enough money to retire wouldn’t make all of those things happen, but it would allow for much greater flexibility concerning work. For instance, you could take a part time job or a full time job, take a low-paying buy fulfilling job, quit whenever you wanted, etc. if you had enough money to fall back on.