I often talk about how I desire to retire early. I think I have made it clear that I don’t plan to just sit around in retirement, but I see it as an opportunity to focus on the projects that I really want to do. I don’t want to be tied down to a job or stuck in a 9-to-5 if I don’t want to work there. It’s not about laziness, it’s about setting up a system which will give my financial security. People often ask me why I think it is possible, emphasizing that they think I am crazy. I don’t think it will be easy, but there is at least one thing that will keep me from me achieving my goal. It’s the same thing that all early retirees have in common: lack of debt.