Stargazer Insights

While I earned more than the average salary, I truly believe you don’t need a huge salary or a high‑stress career to retire early. You simply need some knowledge to make it happen. With a few simple tools, an average income can build a stable, lasting retirement.

Most people were never taught how money really works. Not budgeting. Not compounding. Not how to make savings last. And because of that, the financial world feels bigger, scarier, and more complicated than it needs to be. This book is the opposite of that. It focuses on three simple ideas:

Whether you’re trying to escape paycheck‑to‑paycheck or preparing for retirement, a budget gives you clarity, control, and the ability to adjust.

Small amounts, invested consistently, grow faster than most people realize. The Rule of 72 shows how powerful time can be.

With the right portfolio and a sustainable withdrawal rate, you can create income that supports you without draining your principal.

After getting through the basics, I will challenge a few myths—like the idea that you need a giant “retirement number” to feel safe. You don’t. You need a plan that fits your life, your income, and your goals. This is a simple book because money, at its core, is simple. Not easy. But simple.

If you’re ready for a clearer path—one built on direction, not prediction—let’s begin.

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