Yeah we don’t have fancy cars, a 2017 volt and a 2018 CRV but they just aren’t important to us, compared to retiring 5 years after starting to invest. 

I don't care about fancy cars, clothes, or  exotic trips.

I would look ridiculous getting out of a fancy car, people would probably think I stole it.

[Though I am not going to deny I sometimes like to fancy myself one - eye lashes batting (ha,ha)]. 

Most don't drive exotic cars or dress in suits when they first meet us.

It sure as **** isn't a fancy house, a fast car, and some Rolex's!

And I as a normal consumer do this voluntarily, I literally go there and wait in a line to sign up for this.I'm not a HML but a lot of folks balk at their 10% interest rate... at least they are honest and direct about it and don't dress it up.FYI this is why there was that Wells Fargo "each customer should have eight accounts!"

Or a young couple who just graduated and want something nicer than college dorms, but nothing fancy or expensive.

I grew up in a small town, can handle a rifle, field dress a deer and fix my own rentals, and weld circles around most people.  

With a little bit of fancy accounting work, there is an IRS  rule 72(t) that states that you can take substantially equal periodic payments (SEPP) before age 59 1/2 without penalty.