I Was 40 With Nothing Saved—Now I’m Retiring Early. Here Are the 11 Things I Did

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Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. If you’re 40, like I was, and your retirement and savings accounts are embarrassingly empty, like mine were, you’re not alone—and you’re definitely not doomed. Millions of Americans hit middle age without substantial…

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