When decided I was tired of the 9-5 routine, I read almost every book at Barnes and Noble on retiring. I took in a lot of great information. In fact, it was so much information that I really didn't know how to get started. It was information overload. The books were also vague. There were no details explaning what to do first. I was lost.

After a lot of work, and trail and error, I finally have some answers. I'm going to share them with you. On this site, I'll give you the essentials.

I'll teach you the important lessons.

I'll show you my step-by-step road map.

I'll show you the tools I used to make it happen.

Let's start right here with THE most important lesson. Let's define early retirement. This entire website will be devoted to one simple definition explained by this equation:

Passive income + Residual income / Living Expenses

It doesn't get any easier than this. Using this equation, you will see that the point at which your residual and passive incomes are more than you living expenses, you can quit your JOB. At that point, you no longer have to trade hours for dollars.

When your ratio reaches 1, you've officially retired! Tracking this ratio on a monthly basis will truly begin to change they way you look at your finances. It will also have a far greater impact on your early retirement than looking for another pay raise.

This website is built around this ratio. Everything you will learn here will help you improve your ratio. To do that, there are four steps you have to take. We'll talk about each of them on the following pages:

Early Retirement Planning Essentials Some of the skills you need for early retirement planning are not mainstream advice. You must overcome doubt to plan a new path.

Financial Planning for Retirement Controlling your living expenses has a major impact on your financial planning for retirement. Debt elimination is key to minimizing living expenses.

Consider Debt Consolidation Mortgage Loans If you’re the average American with over $10,000 in debt, choosing the right type of debt consolidation mortgage loans can get you back on track.

Create Residual Income Streams to Fund Your Early Retirement Focus on building residual income streams that improve cash flow. Increased residual income can buy assets that pay for early retirement.

Avoid Investing for Retirement Using Mainstream Advice Mainstream investing for retirement using mutual funds, IRAs and 401Ks will not get you to early retirement. You need better results.

Build a Passive Income Generator to Fuel Your Retirement Using real estate to build a passive income generator is the fastest way to early retirement. It provides incredible leverage and cash flow.

Help Planning Retirement Is An Email Away Email me questions if you need help planning retirement. Read my plan and took into my tools. Please contact me if you have questions about them.