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Here's how much money you need to save to retire on a beach and play golf all day by age 40

Retiring early depends on one essential variable: your lifestyle. How much you spend today — and how much you expect to spend in retirement — dictates how much you need to save before you can live your best life on a beach or golf course somewhere far away from the office. Whether your dream is to retire in your 20s, 30s, 40s, or 50s, there are plenty of successful examples for you to follow.
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