The One Thing You Need To Retire Early

Adam Del Duca
9 min readFeb 21, 2022
Photo by Joshua Earle on Unsplash

Every day, another person logs off their computer, downs their work tools or hangs up their uniform one last time. Sounds great, right? Not exactly. Now, there’s nothing wrong with someone retiring, the problem is that that someone isn’t you! In fact, that someone may not be you for decades or worse it may never be you! It’s no surprise that many people are struggling to retire at any age these days but fortunately, I’m here to help. As such, I am going to share with you the one thing you need to reach financial independence in just 10 years time so if retiring early is part of your financial game plan then make sure to stick around!

Most people have some sort of aspiration around retiring early. I mean, who wouldn’t want to have total autonomy over their time years sooner than everyone else around them? I believe as humans, one of the biggest contributors to our happiness is being able to do what we want, when we want and there are usually three things that get in the way of that. The first are our responsibilities to our family — think having to go to your in-laws for dinner or having to drive your kids to and from soccer practice. Then, there are our jobs. While it’s sad to say, the majority of people aren’t exactly in love with their jobs and these time suckers steal an incredible amount of our autonomy while giving very little in return. The final impediment to the whatever, whenever lifestyle is money. It’s pretty hard to do what you want when your bank account doesn’t allow for it.

Now, I can’t give you a “get out of dinner with your in-laws” card nor am I going to offer to drive your kids around town but, ideally, using the strategy I’m about to share, you can reach financial independence sooner rather than later and reclaim the time that should be rightfully yours. So, how do you become financially independent? Let’s get into that now.

Being financially independent means saving and investing for decades until you reach a point where you have enough money in the bank to cover your bills for the rest of your life. For some, amassing this amount of money takes a very short period of time but for most of us, this is a lifelong financial endeavour that we work towards.

For example, if you were investing to have $1 million in the bank at retirement, contributing $400 a month at…