Start building close to home and you'll have such great appreciation by the time you're ready for the cash flow to be $20k a month you can exchange out of the low cash flow, high appreciation California market to wherever you decide to retire. 

I would love to be able to retire my husband so he can join me on this journey.

Today, that building generates enough passive income to cover his annual retirement contributions.You mentioned taking the 10% penalty, which I’d only recommend as a last resort.

While I live in Idaho, I am interested and willing to expand.Fix n Flips create my cashflow so I can rent to retire.

You and the wife still paying on the house in 25 years calling your broker to see if you can retire and move into the mutual fund.

I feel like by the time I can withdraw without penalties, I should have enough cash flow and appreciation that my "retirement" years should be taken care of.I'll have to see what happens when it comes to lenders, I guess.

Where I have a Handyman Business that I started when I retired from a Government job after 30 years.   

But move into a retirement "job" for Sean. 

So we retired the sellers loan within 12 to 18 months.

This is my pre-retirement preparation.