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    If you didn’t have to worry about earning a living, you could concentrate on your personal potential and being of service to others.

    You don’t have to be a millionaire to retire early. In fact, if you had savings of half that amount, invested prudently, you could retire and earn an annual income that exceeds the annual income of 75% of the people in the United States. Over half of the people in the United States have less than $10,000 saved for retirement and live from paycheck to paycheck. They have no definitive financial plans. You are different. You now have a financial goal: to retire early.

    Consider this: After 20 years of saving 20% of your income, you may create the choice of not having to work for a living.

    Consider this: As an alternative to saving 20%, can you earn 20% more if you work 10 hours a day rather than 8, or 6 days a week rather than 5?

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