this story is the same as what my cousin experienced, he retired early (at the age of around 35 years) now he is around 45 years old but there is an illness he is suffering from and he has to get proper treatment which quite expensive, so he sold some of his valuables and also withdrew his investment in shares.
as long as you can still make money, don't even think about retiring early, I know early retirement is everyone's dream but who knows what will happen next, you have to maintain your grades and productivity so that you stay healthy and respected by people.
Making the decision to retire early is not the right decision, especially if a person does not have any preparation for the next step in life's journey. I have a close family member who took early retirement, but he had prepared for all the possibilities that would happen before deciding to retire. My brother first built businesses before deciding to retire early and investments in several places and I can even see that his life is much better now compared to when he was still working in those places.
Any decision must be based on careful consideration and if someone decides something without predicting what will happen in their life in the future, then the life they live will actually become more problematic. Health can threaten anyone and in the end we have to sell the assets we have to treat the disease, so make decisions much wiser with all the careful consideration.