General guideline is to invest at least 15% of income to retire in your 60s. OP is investing 14% plus 6% max, which meets the guideline. The Roth IRA is exceeding the guideline, so OP should be able to retire before their 60s.

You can withdraw Roth IRA contributions at any age, as xanadu111 commented, but you can also do Substantially Equal Periodic Payments under Rule 72t to withdraw from other retirement accounts without incurring penalties. The critical bit is accumulating enough to be able to retire early, which requires investing more than 15% of income.