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By Terry Coles While many people dream about retiring early to enjoy life, far less actually manage to pull it off. Of course, the biggest issue for most is money. Financial experts throw figures at us, like one million dollars, assuring us that retirement will not be possible unless we can manage to stash away this much money. But for most of us who spend every last dollar that we earn just to cover our monthly expenses, saving money never happens. Typically, our list of must have’s will include a mortgage on a house, a car loan for each member of the household who drives, expensive health insurance, and major credit card debt. ....