FAANG job at 22. Save up 25k a year for 4 years, that is 100k. You'll already retire at 56 with over 1.5M in the bank. It isn't perfect but it is a lot better than what most people do.
Really all you need to do as a programmer is max out 401k and maybe throw another 10k a year into savings on top of that.
I worked at MSFT for a decade and I would have retired at 40 if I hadn't spent 3 years trying to run a startup after my time at Microsoft.
This includes international travel every year, and 2 domestic vacations.