and then you see your dream house for sale. The catch: it costs 2.9M.
I struggled to get over the 1M barrier when buying my home. I can’t fathom paying 3M for a house to live in.
How far back would those 2.9M take your early retirement date?
Zero. Because there’s no way I’d buy something like that unless I suddenly won 20M in the lottery! 
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Now imagine having two jobs and a kid, and not wanting to retire early but maybe just have a place to call your “own”.
An apartment perhaps less than 1hr commute from your non-IT job… and still cannot afford the 1mn needed 
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