I'm a 44-year-old small-business owner. I've never made $100,000 in a year, and I'm still on track to retire by 50. 50

I'm a 44-year-old small-business owner. I've never made $100,000 in a year, and I'm still on track to retire by 50.

Shubhangi Goel/Business Insider

This as-told-to essay is based on a conversation with Sarah Lesselbaum, a 44-year-old in Delray Beach, Florida. It has been edited for length and clarity. Business Insider has verified her financial and career history.

I'm a 44-year-old small-business owner. I've never made $100,000 in a year, and I'm still on track to retire by 50.

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I'm a 44-year-old small-business owner. I've never made $100,000 in a year, and I'm still on track to retire by 50.

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