🌞 FI Workbook (FI Calculator Included): https://stan.store/anitakinoshita I'm 33 years old, I've never earned a six-figure salary, and I'm on track to retire in my 40s. Five years ago, I was following what I thought was the "responsible" path—but I was completely ignoring what I value most: my freedom. In this video, I share the uncomfortable truth I had to confront about the default path and the shockingly simple math that changed everything. You'll discover exactly how long your current lifestyle requires you to work and why small changes to your savings rate can cut decades off your timeline to freedom. What you'll learn: ✨ The real cost of following the default retirement timeline ✨ How to calculate exactly how long you'll need to work at your current savings rate ✨ The simple math that shows how every purchase costs you years of freedom This is part 1 of a 3-part series on retiring early without a six-figure salary. In part 2, I'll show you exactly how I cut my expenses by $1,500/month without feeling deprived. After you calculate your save rate, let me know: are you surprised by how long you need to work on the path that you're on? Let me know in the comments, I would love to get to know you a little more! RESOURCES: 🌴 Free FI Calculator: https://stan.store/anitakinoshita/p/access-my-free-fi-calculator 🦋 Monarch Money Free Trial (budget & track your expenses): https://monarchmoney.sjv.io/Mmneyq 🍑 Meet 1:1 with a (trustworthy) professional advice: https://hellonectarine.com/r/theretiredmillennial 📚 Book Recommendations: https://theretiredmillennial.substack.com/p/resources 🚗 Save money on your auto insurance: https://www.myfinance.com/reporting/32355583/?utm_campaign=theretiredmillennial-auto-insurance-link CONNECT WITH ME: • Her FI Story (Substack): https://theretiredmillennial.substack.com/welcome • Instagram: https://www.instagram.com/the.retired.millennial/ • Email: info@theretiredmillennial.org #FinancialIndependence #RetireEarly #PersonalFinance #FIRE #WealthBuilding #MoneyMindset #FinancialFreedom #InvestingTips