Early retirement planning is not something you will hear a lot about from your financial planner. At school they spend as much time on how to get you to retire early, as West Point cadets spend on how to surrender...it is not in the curriculum at Financial Planning University.
Instead of thinking what rate of return Vivir de rentas your portfolio needs achieve to retire in 5 years...be thinking how you will feel physically in five years. If you are in your fifties think about how many of your peer group is now running faster or hitting one less club to your favorite par three...hmm, what I thought, they talk more and more about aches and pain.
Remember when the I aisle at the drug store was for indigestion and insomnia? Now it is for incontinence and impotence. Just joking...I hope.