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What if the difference between retiring in your 60s and retiring in your 50s wasn’t income — but one decision? My husband and I retired early at 53 and 55, and in this video we break down the single decision that mattered more than raises, market returns, or luck. This isn’t a motivational FIRE video or a get-rich-quick strategy. It’s the real, practical choice that allowed us to stop working earlier — and the trade-offs most people don’t realize they’re making until it’s too late. We cover: Why savings rate matters more than income for early retirement How lifestyle decisions quietly accelerate or delay retirement The mistakes that slow progress even for high earners What actually moved the timeline for us — using real numbers If you’re thinking about retiring early, already living on savings, or wondering whether your plan is strong enough to last, this video will help you see the decision that makes the biggest difference. 👇 Let us know in the comments: What age do you want work to become optional? New videos every Monday & Friday. Subscribe for honest conversations about early retirement, bridge accounts, healthcare, and making your plan last before Social Security. ___________________________________________________________________________________________________ 00:00- Intro 02:00 -If I Earn More i Can Retire Sooner 02:41- Your Savings Rate Is Important 05:54 -How To Grow your Savings 06:27- Investment Fees 07:36 -Is Your Money Growing Fast Enough 08:57 Lifestyle Choices Matter 10:08 Optional Income Gives Your Margin 11:09 Men Tend to Move the Goal Post 12:00 How Much Do I need To Retire ___________________________________________________________________________________________________ ⚠️ This content is for educational and entertainment purposes only and is not financial advice. Always do your own research.