Gen Xers who began their financial independence journeys in their 40s and 50s explain how they're on pace to meet their early retirement goals

Bill Yount

Gina Murillo was about to turn 50 and had almost $40,000 in consumer debt, with only $69,000 in her retirement savings. Now almost 57, Murillo, who lives in the Chicago area, has a net worth of over $1.1 million and is on pace to reach financial independence within three years.