Shift gears instead. Many people who long for an early retirement are really just tired of their jobs. Rather than choosing a life of leisure (which can get boring), you may want to start a new career. Besides, early retirement is a tough act to pull off financially. If you retire at age 55 and are lucky enough to live to age 95, that’s 40 years of living off your savings — more years than you spent working! Social Security and Medicare don’t kick in until age 65; or 62 at the earliest. How much do you think your grocery...

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