What BJ, Chall03 and Simon said... But also, in a more critical light, when you stop saying WTF and learn that you can do whatever you want if you work hard and goal set.
But to retire early, or take an extended sabbatical to go sailing means you have to work harder and save more than most other people. It's possible, but few have the tenacity to do it.
It's up to you and you alone.
All the best