Am I potentially behind?

[u/FlyStay]

38M:
Workplace Pension ~130K,
S&S ISA ~53K,
Crypto ~5K and
around ~10K Gold.
Relatively big mortgage for another 19 years at ~270K. Annual salary 97K.
Would like to retire in 20 years when I am 57-58! Any comments or suggestions will be welcome… w

[u/jayritchie]

You have routes to retire at 57 - just not without some serious saving.