For these things to all be true at the same time, **you need to be spending much more today than you expect to spend in retirement**. If every year you work you can save 5 year's worth of ER expenses, then you should be closer than 3 years away from FI. For example, If you start with close to 500k, expenses are 30k, income is 180k, you'll hit 750k in 6 years without contributing to your stache. But you would have been way ahead of 750k at year 3 if you instead added your 150k saved every year. Indeed you would have hit 880k in year 2.

Save & Invest Retire & Wait

Today: 499,756.67 499,756.6679

Added: 150,000.00 0

Value in 3 years 1,094,458.41 612,223.41

Value in 6 years 1,244,311.61 750,000.00