It's every working stiff's dream: saying sayonara to the daily grind while you still have your own teeth. In our early retirement fantasies, we're traveling the world, healthy and in the prime of our lives, visiting those hard-to-pronounce countries we've always talked about and sampling the finest local fare.

Surveys show that more than half of workers between the ages of 30 and 50 plan to retire before they're 60. The question is: HOW?!

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