Do you want to work for 45 years and still retire on a fixed budget? That doesn't sound too appealing to me. So what are our options? We could work part-time through retirement.

Or, we could retire overseas on our pension, 401K, Roth IRA, annuities, and treasury bonds. If we start planning early, we will have plenty of time to stack our income the way we need to achieve success.

Many countries will allow us to live lives without limits for $2,000-$3,000/month. We won't need a lot of money to obtain this type of passive income. However, we need to ensure our income lasts us for our lifetimes.

We don't want to play the guessing game with social security or running out of income using the 4% rule. We need money that creates money. We have to be smarter than the average bear (market) to get ahead.