Are you ready to retire? Are you convinced you can be a better person if you don't have to commute to work every day?

The first step to retiring early is determining how much it costs to run your household fully. Once you have this number, you are well on your way to changing your destiny.

Now, it's time to replace your employment income with passive income. This part may take a few years, but each successive year becomes more enjoyable.

We can replace our earned income with rents, royalties, business, options trading, and dividends. Before we know it, we can walk away from work and still have the lifestyle we love.

Can this happen in real life? Yes. My wife and I retired in our early 40s using this Happy Cash Flow Retirement system. You can do the same. Good Luck!