You can retire at any age you want lol. Most people didn't live in their means nor did they save for retirement starting at 18/22. This was possible 30 years ago. These days? Not so much.
It doesn't mean you can't leverage it way better than most though. Starting a Roth IRA saves more money than even paying off your house loan in half the time. That's saving an extra $70,000 for most. Putting into retirement early triples that lol.
Compound interest via stock/bonds is a bullshit money generating hack made up by rich people to get richer though. The poors literally get their dregs from riding on their coattails then acting like they invested well. Nobody wants to admit that you should be able to retire indefinitely by what amounts to hoarding above a certain dollar threshold though lol.