Emma, 32 and a mother with young kid, writes: “It wasn’t until I discovered personal finance blogs that I realized early retirement was possible without a multi-million dollar property portfolio.” But circumstance changes when when life throws you a curveball, and early retirement isn’t just possible. Emma explains the alternative to early retirement and how to semi-retire in your 30s. The main ingredients to semi-retire are as follow: Clear debt and adjust to a frugal life. Find multiple sources of income with an affordable housing. Lastly, accept and embrace social status change. (moneycanbuymehappiness.com)