From an interview with the Bill Fold, Alan Lastufka describes how he started out with $30,000 in debt at 25. After selling his share of the business, he was able to retire at 32. At the low point Alan stopped paying his student loans. His life turned around when he learned to manage his personal finance that set him on course toward early retirement. After selling his company in 2014, he paid off his mortgage in full. Without any debts he keeps his living expenses low, about $25,000 per year. Now that the dividend payouts from his investment portfolio total over $36,00 per year, Andy is able to retire at 32. (thebillfold.com)