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