Retiring early may seem like a pipe dream for most workers, but for some clients, it's very real. But even when the money is there, early retirement comes with its own set of challenges — just not financial ones. Advisors say the real obstacle for many well-off clients isn't money; it's mindset. After years spent chasing FIRE — an acronym for the movement " financial independence, retire early " — clients are often surprised by their own feelings and behaviors: shifting goalposts, unexpected dissatisfaction and lingering regret. For clients eager to pursue FIRE, it's easy to initially overlook the sacrifices the plan requires.