I'm on track to retire at 45. I started my career earning only $26,000 and followed this 4-phase plan.

I'm on track to retire at 45. I started my career earning only $26,000 and followed this 4-phase plan.

Courtesy of Annie Cole

This as-told-to essay is based on a conversation with Annie Cole, the 35-year-old founder of Money Essentials for Women in Vancouver, Washington. It has been edited for length and clarity.

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