Dear MarketWatch, I’m a 36-year-old with a job paying around $115,000 a year. I’ve done pretty well with my 401(k) and have $435,000 in it. I manage and rebalance it myself and even managed to gain around 6% in 2022 despite the bear market. My goal is to retire early. The earlier the better but I don’t exactly want to have a frugal lifestyle….