18 Incredible Moves for the Best Retirement

Do you daydream about retiring as you plod through your 9-to-5 job? Are you wondering how a neighbor or relative managed to quit working at age 59 and go traveling?

For many people, retirement — never mind “early” retirement — seems out of reach. But with focus and self-discipline, you could amass enough money to retire earlier than you might think possible. Here are some tips to get you started:

1. Spend less than you earn

The formula for retiring early starts with actually saving money. Some experts recommend you spend no more than 90 percent of the money you make and sock away the remaining 10 percent.

If you have zero savings right now, build an emergency fund and keep it in a high-interest-bearing savings account.

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