I've already retired once (in my 30's). My job ticked me off and I quit. Stock was high. I took the penalty and cashed out and my husband built our house. Nothing fancy but I'm not having to work two jobs to pay for it either. We also drive older cars. They are comfortable and paid for. Maintance required but it seems like the news ones always breaking down nowdays too. Insurance is also cheaper that way. I don't buy into the American dream by debt. Been there. Life is much better this way.
It seems that most people who do well (if they're not lawyer scum screwing people for $250,000/year) follow plans similar to yours. Don't live the "high life" with the new cars, etc. For example, with gas above $3.00 per gallon I'm perfectly happy. Along with my 14 mpg Sequoia I have a 25 year old diesel VW pickup truck. It gets 44 mpg commuting, 50 on the highway, saving me about $2000 per year just in fuel for the car. If at 20 years old someone put all of that in mutual funds, over 40 years (Harry's age) it would cover retirement alone.