You don't need an inheritance or a windfall to retire early — you don't even need a six-figure income.
All it takes is smart saving and investing habits, says one millennial who is well on his way to retiring at the age of 37.
"The Money Wizard," who goes by the pen name Sean and asks to remain anonymous, saves more than 60 percent of his $70,000 salary. His savings rate puts him on track to accumulate $750,000 in the next 11 years, which he says will be enough to let him comfortably retire.
The 26-year-old committed to fast-tracking his retirement after reading Jacob Lund Fisker's "Early Retirement Extreme" at age 22.
"The book changed my whole outlook on a working career," he tells CNBC.