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Your BLUEPRINT To Early Retirement/Financial Independence

What do you think about early retirement? Is it possible to retire super-early; that is, in your forties, or even in your thirties? I mean, really retire, not “build a business” in MLM or become a successful author or Internet marketer who only has to work a couple of hours per day.

Yes, it most certainly is possible, as my husband and I can testify! And we didn’t do anything over-the-top that most other people couldn’t manage. We simply followed a four-step blueprint. The following video discusses the steps in some detail; my book, Hatching The Nest Egg: How To Retire Super-Early Without Side Gigs, Gambling, Or An Above-Average Income goes into much greater detail.

Enjoy the video; the text below outlines what I state there, minus the eye-opening nest egg numbers that I share in the video.

Please click the video to get to its page on YouTube in order to share it with you online networks. TIA!

The four steps to super-early retirement

Step one: Make sure you can save extra money after every paycheck.

In other words, live beneath your means. Financial expert Dave Ramsey swears by the budget method (especially using cash in envelopes). Others just as vehemently declare that budgets don’t work. In that case, the thing to do is track your spending very carefully for a few months so that you can see where you are wasting it. At the end of every month, you add up what you have spent in each category, such as food, entertainment, clothing, car maintenance, etc. This process helps you to reduce your spending without having to budget.

Step two: Set up an emergency fund.

Once you get to the point where you are living beneath your means, save all your extra money until you have an appropriate amount in a savings account especially reserved for emergencies. This could be anywhere from $500 to three months of expenses, depending on your life situation. The reason is so that when the inevitable emergency arises, the unexpected expenses will not hinder you from making progress toward your financial goals.

Step three: Live a debt-free life.

Once the emergency fund is set up, you begin using all your extra money to pay off all your debts…except your mortgage, if you have one. Start with the smallest debt. Pay the minimum payments on all the other debts while putting all your other extra money against that first smallest debt. When that one is paid off, do the same for the smallest debt that remains, and so on.

Then, commit not to getting into debt again.

Step four: Invest wisely.

Once all your debt is paid off (except the mortgage), invest all the extra you have. If you want to work on paying off your house early, that’s smart because you will save yourself thousands of dollars in interest. Use a fraction – say, a quarter to a third – of your monthly leftover money to pay against the principal of your mortgage, then invest the remaining amount in portfolios that are safe from market volatility. I describe the two best options in my book, Hatching the Nest Egg.


There you go! Live beneath your means, have an emergency fund, get debt-free, invest wisely. The more aggressive you behave toward these steps, the sooner you’ll achieve financial independence.

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