In answer to your question of early retirement, it takes years of research and planning. Did you ever read the millionaire next door? It is about people who lead seemingly modest lives while living below their means. They are not the ones who drive shiny new cars every three years, and have the latest. We have also met many people whom never had children. Also, many of us abhor debt and paid off our houses as soon as we could, then invested the mortgage payment we no longer had, and bought only what we could afford with cash when we got here. Some are wizards at investing money as well. Even ordinary people have made a lot of money in the stock market, assuming they put money in year after year like IRA and 401k investments allow you to. Do a google search and you will find tons of websites, books and blogs on how to retire early.
There are many people here who live modest lives. They buy smaller houses and don't spend tens of thousands of dollars on landscaping, expansions etc. they Don't drink alcohol, eat at home, have one car, don't shop and take advantage of the numerous free activities and groups here. You can lead a very rich life here. You also can spend lots of money here, have a 30 year mortgage etc. takes all kinds.
In other words, you will meet all kinds of people here, from the ultra wealthy on down. The only way to understand what is going on here is to visit and see for yourself.
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