Honestly I don’t think you’re an expert. I’m not an expert either, but I’m in the top 5% and retired at age 53. I know.... That makes me a moron to you.
I don't post personal info on threads, so you're just going to have to either believe me or not; it's up to you.
And as far as early retirement, CONGRATS, but others have done that too and earlier. :-)