THe amount depends on so many factors, but I still think someone with 10,000 HIVE will do okay - in time :) Most people see "the future" a year or two down the track - if you think that most people work 45 years until retirement, that should give a better resolution on what "early retirement" is. For example, if I can retire (I like working but let's say) at 55, I am doing okay - that is another 13 years away :)