Good luck. Can't offer much more than that. I'm 42 with 4 kids still to put through school and it seems like every time I turn around I get further in debt (new septic, basement flood, foundation repair - borrowed and buried 25K last year, can't see a $ of it.
I work for a big company with a great pension program so I'm banking on that. All of the money I've put away has been in mutual funds and after what I lost last year, I'd have been better off to put it under the mattress.
I'm gonna be working for a very long time so enjoy your early retirement.