"Regardless of how early you get up, how hard you work, how lofty your goals are, or how big your dreams, financial independence and a successful retirement doesn't just happen. It calls for diligent, dedicated, and determined planning, involving so many details, variables and possible contingencies that it can seem overwhelming and impossible to achieve. To be able to make choices without compromising who you are and what you want your life to look like, you need on-point strategies and tactics."