I still argue that OMY is totally unneeded for a young retiree. Yes a lower WR is probably needed for a 60 year retirement vs a traditional 20-30 in bad economic scenarios (we may be in one now), BUT someone motivated enough to retire in their 20ís is going to earn compensation again. Itís just going to happen and your WR doesnít take that into consideration at all. Maybe Iím the token old guy with wisdom(ha) here?
Even someone who goes completely without income for a dozen years to raise kids will eventually realize the kids are getting older and donít want/need as much time from you. You will want to do something productive with your time. Most volunteer type gigs are very low level. You will get bored stuffing envelopes for your political candidate or stocking shelves at the local food shelf. You are going to want to make a difference in the world, your community, or within yourself. People just donít value your time, knowledge, and production unless it costs them something. Being FI or having FU$ gives you the ability to choose which of these types of opportunities to take on your terms. One thing is certain, some of them will provide you with some form of compensation.
Yes there is age discrimination, but someone so young will not run into this issue for decades. Yes, the economy could crash, western civilization brought to its knees, etc which would change the game. However, in those scenarios any WR would not have safe, padding your stash wouldnít have helped, you would have been better off taking time to learn other skills anyway.
Now, someone who is 27-29 and has 25X, but still enjoys being a salaryman/woman...I say more power to you, save the extra capital. If the same person is sick of their job and putting other plans on holdÖ Please do not stick around ONLY to pad your WR. Take advantage of your youth, do what you want to do, the financial situation is already covered, congrats!