Episode #684
~~~
Episode Show Notes: https://biggerpocketsmoney.com/episodes/
~~~
Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com
~~~
Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/
~~~
Shocking Simple Math to Early Retirement: https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/
~~~
Want to Know What Barb’s Financial Plan Is? Check it out here: https://youtu.be/tk4NnZpzbac
~~~
If You Want 50% Off the First Year on Monarch use code ‘Pockets’: https://www.monarchmoney.com/
~~~
Connect with Scott and Mindy:
Scott: https://www.instagram.com/scott_trench/
Mindy: https://www.instagram.com/_mindyatbp/
~~~
Follow BiggerPockets Money on Social:
Facebook: https://www.facebook.com/groups/BPMoney
Instagram: https://www.instagram.com/biggerpocketsmoney/
~~~

In this BiggerPockets Money episode, Mindy Jensen and Scott Trench break down the all-out approach to reaching Financial Independence and Retiring Early in your 30s. No tech salary required, no inheritance, no luck. Just aggressive saving, smart investing, and a willingness to optimize every dollar.

We’ll cover:
~ The exact savings rate you need to hit FIRE in your 30’s
~ How to maximize income without changing careers
~ Where to cut expenses without feeling deprived
~ Investment strategies that accelerate your timeline
~ The lifestyle trade-offs that actually matter
~ Real numbers: What it takes to build a $1M portfolio

Whether you’re just starting your FI journey or you’re years in and wondering if you’re on track, this episode gives you the honest roadmap to early retirement—no matter your starting salary.