“Hesitation” - a 38-year-old divorced parent with two young children who has accumulated $3.7 million in investments alongside a $550,000 mortgage. His portfolio consists of approximately $2.1 million in a regular brokerage account, $1 million in IRAs, $220,000 in a 401(k), $500,000 in inherited IRAs, and $50,000 in cash. With annual expenses of roughly $50,000 excluding the mortgage ($100,000 including it), the math clearly supports early retirement. However, despite achieving financial independence, he struggles with the psychological barrier of actually making the leap.