BookWatch: You can retire with less money at 30 than you’ll need at 60

At the age of 24, I woke up to find $2.26 in my bank account. I was unemployed and living back at home with my parents. They in turn were in their mid-50s and chasing a far-off retirement, like most of their friends. That morning, I decided to pursue retirement on my own terms — terms that meant not waiting until I was 65, 60, or even 55.

I read everything I could about personal finance, began making sacrifices for my future freedom and navigated my way through years of trial and error. I increased my savings rate each month, put everything I could into investments, rented my apartment to roommates for more than the cost of my mortgage, launched multiple side hustles and did more.

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