I'm 40, I think it is not too early for retirement, but if I could, at least, retire someday in my life I would already be satisfied. I really need a good plan for retire. My country offers some plans to retire, but the time goes by and polititians demonstrate not to be interested in keep paying retirements. They took our money and now they dont want to pay us.
In terms of age, you still have plenty of time to continue working and being creative as you wish because in my country that age is still considered an active worker who has not yet reached the time to retire. This means that you still have enough time to make your retirement more beautiful by planning it now, both through active income and also passive income that will never end at any age. So don't ever complain about things that are happening even though they might not be good enough for you, because as long as you can still fight to make your retirement better, that's what you have to continue to do from now on.