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Many people have negative views on young retirees: They’re spoiled. They’re lazy. Their parents helped them. They won the lottery. But none of these things apply to me.
I grew up in a middle-income household. I worked hard to earn good grades and pay for college. I was the first one in the office and the last to leave. Sure, I got lucky by landing a high-paying investment banking job and in some of my investments, but I live a frugal life and have always been diligent about staying on top of my finances.
All of that played a huge role in my early retirement in 2012, at 34. By the time I *quit my job*, I had amassed a net worth of about $3 million that generated roughly $80,000 in investment income per year.
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James' World 2 
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