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galeno wrote,

If current USA statisics are accurate, only 2% of individuals and 4% of American families have a net worth of $1M or more. Much of this net worth is tied up in costly real estate and businesses that require the "millionare" to continue to work like a madman.

The truth shall set you free!

Galeno's insightful comment pretty much summarizes what I see as the reason more folks can't retire early.

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