Retiring at 40 sounds like a pipe dream, right? Well, it’s not if you’re willing to be smart with your money. First, I started by living below my means—way below. I didn’t splurge on new clothes, fancy dinners, or impulse buys. Instead, I focused on saving aggressively. My goal was to save 50% of my income. Sounds tough? It wasn’t, once I tracked every penny using budgeting apps. Second, I invested heavily in low-cost index funds and retirement accounts. The magic of compound interest did the heavy lifting over time. I also built up multiple streams of income by investing in real estate and starting a side hustle. Passive income became my best friend. By the time I hit my early 40s, my net worth had ballooned. But it wasn’t just about saving; it was about smart saving. I avoided debt like the plague and kept my lifestyle minimal. Now, I wake up every day without worrying about a boss or paycheck. Retirement at 40 isn’t about being lucky—it’s about making smart choices early and sticking with them.