Justin and Kaisorn McCurry fast-tracked their retirement by saving up to 70% of their income and putting that money to work. You don't have to win the lottery or even earn a huge paycheck to retire early, Justin tells biztalk: "It really just comes down to saving some of your income, setting it aside and letting it grow." The key to saving more than half your income, he says, is to keep the "big three expenses" — housing, transportation and food — as low as possible: "Look at those top expenses and see if there's any negotiating room." By cutting back on "the big three," the McCurry's can keep their annual expenses incredibly low for a family of five: at about $40,000. They stayed in the starter home they bought out of grad school and paid off their mortgage in 2015, meaning they only cover utilities and maintenance. In terms of transportation, "we kept the cars that we bought brand-new in college for 16 years and just replaced them last year," says Justin. As for food, they budget $500 a month for groceries.