Some people don’t have really expensive hobbies and just want to take one nice big vacation a year, especially if their families are nearby.

I think early retirement is achievable for anyone who seriously wants to do it. It just may mean you have to cut back on how you are spending your money.

You have to be frugal and if you’re not a saver now, it’s going to be very difficult.

People often underestimate how much money it takes to live in retirement.