From two leaders of the FIRE Financial Independence Retire Early movement a bold contrarian guide to retiring at any age with a reproducible formula to financial independence A bulltfree guide to growing your wealth retiring early and living life on your own terms Kristy Shen retired with a million dollars at the age of thirtyone and she did it without hitting a home run on the stock market starting the next Snapchat in her garage or investing in hot real estate. Learn how to cut down on spending without decreasing your quality of life build a milliondollar portfolio fortify your investments to survive bear markets and blackswan events and use the 4 percent rule and the Yield Shieldso you can quit the rat race forever. Not everyone can become an entrepreneur or a real estate baron the rest of us need Shens mathematically proven approach to retire decades before sixtyfive.