How to Retire by 40: Three Keys to Financial Freedom

More and more "millennials" are beginning to buck the trend of the 9-5 (really 8-6) and starting to realize what it takes to "retire", a term also known as financial independence. Financial independence is when you no longer have to work to earn income to cover your living expenses. You might be asking, then how do you pay for your living expenses? The top three ways that come to my mind are: savings, passive income, and eliminating debt.