The fantasy is easy to picture. A bluff in Carmel or Encinitas, a garage with a silver 911, ocean air, no more Monday calls. The math is where it usually falls apart. Below is what the scenario actually costs a 53-year-old, how to fund it, and the one interaction most early retirees miss. Section A:... I'm 53 With $1.5 Million and Want to Retire in Carmel With a Sports Car. Here's the Real Math.