Early retirement is bullshit for me, actually I'm stuck in this cycle.

I invest like 80% of my salary for many years, technically I can retire now because 4% of my investment is enough to cover my annual expenses. But, no one knows if I get sick in the future, my wife turn to be materialistic woman, school fees rise really high than 4% annually etc.

If I quit my current job and choose to the job that I want which likely earn bigger in the future, if I didn't make it, I will regret, at the same time I can't back to my old comfort job. Don't say take two jobs at the same time because the first job requires me to work for full time.