Do you know Gabriel ? 'G'abriel actually represent ' god ' within MalPF world. He worked for less than 10 years Then he runs some businesses for about 13 years, some of them making loses Yet he retires at 42 and live happily ever after ( details ) The trick is . . . there is no trick. You have to live your life as the life itself. Don't ever forget what you really want, don't ever get confused by the money figures. There are many ways to achieve what you want or need other than using money. ( what do you mean ? ) Do you know that 12% return CANNOT even cop with 3% inflation for the next 30 years ? There is an increasing trend of young people retiring early. While it may seems like a great personal finance trend. But that will soon become the 'new' personal finance trap of 21st century ! A 30-year-old man who only uses $500 expense but with passive income of $999 may thought he is financially free. But he will find himself caught at middle age