You have $118k which is a really good start! And, you take home $31k/yr with no rent, utilities, or phone, so you should be able to save like a mad man.
The key to figuring out how much you'll need in retirement is: EXPENSES. First, what are your expenses right now? Your post is vague. Drill down into the specifics. Track it. Groceries? Eating out? Toiletries? Clothes? Parking expenses? Entertainment? Gifts? Gasoline? If you use a credit or debit card when paying, you already have this data.
Once you have those numbers, figure out the average rent and utilities in the area you intend to retire. Health insurance is trickier, but you'll likely be on an ACA plan with subsidies. Easy to research, but the plans are location-dependent.
I'll throw you a number for unlimited cell plans right now: they can be found for $30/mo through an MNVO or something like Sprint's Kickstart plan.
Want to do anything special in retirement? Have a dream of owning a horse? A sailboat? Building a kit plane? Rebuilding a classic car? Seeing some exotic locations? Well, figure out how much that'll run you and add it into your expenses.
Okay, once you have a rough idea of your ANNUAL retirement expenses, multiply by 25. There's the number you need to retire. The lower your expenses, the lower your goal number, AND the faster you can contribute money toward it.
My thoughts are 1) max your Simple IRA if you're not already, and 2) your car payment is bonkers. That's probably your biggest expense right there, and, therefore, a big hurdle to retiring.
Given your current numbers, I'm betting you're about 20-25 years from a lovely, well-funded retirement. Remember, most people retire into poverty, so having retirement savings is already a triumph. If you can cut expenses to save a LOT ($15-20k/yr), and earn more (side gig?) even for a little while, you could probably get that down to 10-15 years. It might seem far off now, but who do you know who retired at 49 years old without winning the lottery? Probably no one.
