The definitive guide to financial independence that offers proven skills and realistic strategies you can use to retire early—and still have time to enjoy your golden years!

Retiring early is not limited to lottery winners or the super rich. In fact, with proper planning, we can all retire at a younger age than we ever dreamed—but only if we know how.

Personal finance expert Deacon Hayes explains the practical, concrete steps you can take to start your retirement when you’re young enough to thoroughly enjoy it, including:

-Developing a personalized retirement plan
-Maximizing income
-Understanding opportunity cost
-Assessing and reducing debt
-Selecting the right investment vehicles
-Sticking to the plan

With Hayes’s guidance, you can achieve financial independence and enjoy an active, happy retirement.