> 300k in SF or NYC is FAR from early retirement unless you live 'frugally' - Manhattan average rents are 5K for 1 bed
You don’t have to retire in the US. As others have pointed out, nobody comes here for the lifestyle.
Immigrants like us are literally the holy grail of immigration. Come in during our most productive years, work hard for 10 to 20 years, go back home before you need any of the social and health care stuff you paid into.
Yeah, assuming you don't marry in the US, and don't have kids. But surely, you can think about it in your home country after working 20 of the best years of your life.