Want to Retire Earlier? How to Build Financial Independence Before 60

Want to retire earlier, cut back your hours or reach the point where work becomes optional?

A lot of people in their 40s and 50s assume financial independence is still years away because they do not have millions sitting in an investment portfolio.

But that may be the wrong number to focus on.

If your super is on track to support you from 60, the real challenge may be much smaller: how do you fund the gap between the age you want to step back and the age you can access super?

That shift can completely change what financial independence looks like.

In this episode, Paul breaks down the decisions that can bring that point closer, from how much debt you carry and where your wealth sits, to whether you really need to live only off investment income.

Inside this episode:

The shift in thinking that could make retiring earlier feel far more achievable

Why chasing a huge passive-income portfolio may be making the goal harder than it needs to be

The role your super balance plays in whether you can afford to step back before 60

How your mortgage could be the biggest thing standing between you and more freedom

Why drawing down investments can sometimes get you to financial independence years sooner