At 44, I Was Broke and Scared—At 63 I Retired Early. Here’s Exactly What I Did

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. At 44, Tom Weber’s credit card statement made him physically sick. Between the divorce, his daughter’s college bills, and years of just “getting by,” he had nothing saved and $11,000 in high-interest debt.

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