Hey, give me like 29 minutes and I'm going to help you retire like 29 years early. So let me help you cut 29 years off your retirement. And I'm going to start with a quick story that's maybe a little bit hard to hear. This guy did everything right. He started saving in his early 20s because that's what responsible people do. He took the safe job instead of the one he actually wanted. He skipped vacations year after year. He drove the same car long after it stopped feeling reliable. He told himself, hey, I'll enjoy life later.

And later... He skipped vacations year after year. He drove the same car long after it stopped feeling reliable.

He told himself, hey, I'll enjoy life later.

And later became his favorite word.

Later when the kids are older.

Later when the mortgage is smaller.

Later when the portfolio is big enough.

I mean, every single raise he got, it went into retirement.

Every bonus got tucked away.

He watched the numbers grow year after

year and he told himself that the sacrifice would be worth it. Now, he wasn't miserable. He was just

tired. Always tired. And on a 63rd birthday, his wife surprised him with a cake. It said two more years

and they laughed about it and they talked about all the trips that they were going to finally take.

Going to Italy and Alaska and that cabin by the lake they had always talked about getting and six months later he didn't come home from work a sudden heart attack no warning no goodbye and at the funeral

people talked about how disciplined this guy was how responsible was, how proud he would be of the legacy

he left behind. And his wife received all the financial statements in the mail. You know, a few

weeks later, the accounts were full. The plan had worked. She just wished that he had been there

to enjoy it with her. Now look, I'm sure you've seen those posts floating around all the inner webs from people like

Dave Ramsey or Susie Orman who are like, hey, if you just set aside $200 a month starting at age 22,

and you do that consistently until you're 72, congratulations.

You will have millions of dollars.

And every single time I see one of those, I think, cool. So the big dream is to work for 50 years straight so you can finally relax right about the time that my knees stop working and my doctor starts using phrases like, at your age. Like, who actually wants that? I mean, congratulations. You played the game perfectly,

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