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I'm nearly 29 and am starting to think seriously about my opportunities to retire early.

I have 4.5k in 401(k), 12K in IRA, and 4.5K in a Roth. My income is 65K, and I'm contributing 10% to 401k at this time (company adds 2%, too). I have about 18K in stocks & cash.

My monthly living expenses are less than $300--I rent and have absolutely no debt.

I feel like I'm doing pretty well, but I still think I need some serious advice and guidance. Most of my retirement dollars are in the S&P index funds.

Any help?
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