Most early retirees will tell you that you'll most likely still make money even after retire. That's why JT decided he didn't need to reach the full 25 times his annual expense in order to quit his job and enjoy being with his family. Instead he has a runway for several years and is working on land investing to produce his main income. You'll love his story. We also chat about... Reaching FI with 4 kids The runway approach to FI JT's current assets How paternity leave gave him a taste of FI Land investing as an income  His healthcare strategy For show notes and takeaways: https://www.firedrillpodcast.com/how-i-reached-fi-without-saving-25-x-my-annual-expenses-jt